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PUBLIC DOCUMENT .... .... No. !i. 



FORTY-THIRD ANNUAL REPORT 



Insurance Commissioner 



OF THE 



^ommoutotali^ of IPassarlpsetis, 



January 1, 1898. 



PART II. 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



BOSTON : 
WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 
18 Post Office Square. 

18 ( J8. 

44 



STATE HOUSE POSroN. 



J UN 1898 



.v 






TABLE OF CONTENTS 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v 

COMPANIE8 AUTHORIZED DURING 1897, vi 

Companies ceasing to do Business during 1897, vi 

Interest Rates, vi 

Assessment Insurance, xii 

Business in Massachusetts during the Year, xiv 

The State too Generous with its Charters xvi 

Reasonable Assurance of Indemnity, xviii 

Fraternal Beneficiary Societies xxiii 

Statements concerning Insolvent Companies in the Hands of Re- 
ceivers, xxv 

Examination of Companies, xxxii 

Statistical Tables, Ratios, etc. (Regular Life) : — 

Table *A. — Summary of Income, Expenditures, Assets, Liabilities, etc., xxxiv 

Table B. — Ratio of Real Estate and Other Investments to Gross Assets, xxxvi 

Table C — Disbursements in Detail, xl 

Table D. — Mean Amount insured and Death Claims for the Year, . xliv 

Table E. — Policies issued, terminated and gained in 1897, . . . xlvi 

Table F. — Classification of Policies and Insurance in Force, . . xlviii 

Table G. — Policies ceased in 1897, with Mode of Termination, . . 1 

Table H. — Massachusetts Business, 1897, Hi 

Table I. — Miscellaneous Insurance Corporations,— Accident, Fidelity, 

etc., liv 

Massachusetts Life Insurance Companies, 1 

Life Insurance Companies of Other States, 45 

Casualty and Surety Companies, 225 



IV TABLE OF CONTENTS. 

Assessment Life and Casualty Corporations, 309 

Table 1. — Assets, Income and Expenditures, 310 

Table 2. — Certificates issued, ceased and in Force, with Massachusetts 

Business, 312 

Detailed Statements, 315 

Fraternal Beneficiary Associations, 369 

Record of changes, 371 

Table 1. — Name, Location and Officers, 373 

Table 2. — Income, Expenditures, Assets, MemlKMship, . . . . 388 

Table 3. — Corporations and Associations exempt, 402 

Detailed Statements, 405 

Appendix, 459 



C0mm0itforaItk of l$a:ssax|Mseits. 



Insurance Department, State House, Boston, April 30, 1898. 
To the Honorable the Senate and House of Representatives. 

The publication of this volume completes Part II. of the 
forty-third annual report of the insurance department, the 
text portion thereof having been previously submitted to 
your honorable bodies, in accordance with a precedent estab- 
lished by the immediate predecessor of the present commis- 
sioner, in order that such suggestions and comments might 
be offered before the prorogation of the General Court, as 
seemed wise and expedient. 

This portion of the report includes insurance of all classes 
other than fire and marine, the most weighty of which, on 
account of its vital relations to the welfare of the community, 
is doubtless that relating to indemnity for loss of life. The 
importance of this can hardly be overestimated, and the con- 
siderations and suggestions which follow are the result of lonp: 
observation and thoughtful consideration of the subjects to 
which they relate. 

At the outset it seems appropriate to show the changes that 
have taken place since the publication of the last life report, 
and the following tables show the companies of the classes, 
other than " fraternals," whose reports are contained in this 
volume, which were authorized to do business in this Com- 
monwealth during 1897 arid the first three months of 1898, 
and also those ceasing to do business during the same period, 
for any cause : — 



VI 



REPORT OF THE 



Companies authorized to do Business. 



Name of Company. 



Location. 



Business 
authorized. 



Date of 

Admi — ion. 



Natural Premium Life Association, 

Limited. 
United States Fidelity and Guaranty 

Company. 
Frankfort Marine Accident and Plate 

Glass. 
American Bonding and Trust, 

Central Accident, 

National Surety, 

iEtna Indemnity 

Maryland Casualty Company, 



Boston, 

Baltimore, 

Germany, 

Baltimore, 
Pittsburg, 

New York City, 
Hartford, 

Baltimore, 



Life, . 

Surety, 

Employers' lia- 
bility. 
Surety, 
Plate'glass, 
Surety, 
Surety, 



Employers' lia- 
bility. 



1S97. 

Feb. 3. 

Feb. 23. 

March 5. 

April 23. 

May 6. 

June 23. 

Nov. 4. 

1898. 
March 21. 



Companies ceasing to do Business. 



Name of Company. Classification 



Date. 



Remarks. 



Suffolk Mutual Accident, . 
Father Mathew Fraternal 

Accident Association. 
National Surety, Missouri, 

Massachusetts Benefit Life 
\ 98 ociation. 

Bay State Beneficiary As- 
sociation. 

Massachusetts Masonic 
Life Association. 

Kansas Mutual Life, . 

New England Live Stock, . 



Mercantile Mutual Acci- 
dent. 
Atlas Accident, . 

World Accident, . 

Massachusetts National 
Life. 

Industrial Mutual Acci- 
dent. 

Natural Premium Life 
Association. 



Assessment, 
Assessment, 

Stock, 

Assessment, 

Assessment, 

Assessment, 

Legal reserve, 
Assessment, 

Assessment, 

Assessment, 

Assessment, 
Assessment, 

Assessment, 
Assessment, 



1897. 

Feb. 13, 
April 7, 

June 30, 

Aug. 18, 

Nov. 9, 

Nov. 19, 

Dec. 4, 
Dec. 17, 

1898. 

Feb. 7, 

Jan. 14, 

Jan. 17, 
March 7, 

April 9, 



Geo. S. Merrill, receiver. 

Reinsured in New England 
Mutual Accident. 

Reinsured In National Surety 
of New York. 

Arthur Lord and A. S. Wood- 
worth, receivers. 

Henry S. Hyde and Henry C. 
Bliss, receiv. 

Jonathan Barnes, receiver. 

Withdrew. 

Charles Wolcott, receiver. 



Charles E. Shattuck, receiver. 

Reinsured in New England 

Mutual Accident. 
T. W. Perkins, receiver. 
Geo. Kress, receiver. 

Reinsured in Equitable Acci- 
dent. 



Charter lapsed. 



Interest Rates. 

The action of some of the life companies during the past 
year, in the direction of adding to the strength of the reserves 
upon their policies, has brought the subject of the ruling and 
prospective rates of interest upon acceptable investment securi- 
ties into special notice and consideration. This is not a new 
subject, — it has been under discussion more or less actively 



INSURANCE COMMISSIONER. Vll 

among the company officials, State commissioners and insur- 
ance men generally ever since the first attempt was made to 
bring the laws of the various States into accord upon a stand- 
ard for valuation of life insurance policies. The rates fixed 
upon by the different States for this purpose have been various, 
but none more conservative than those of this Commonwealth. 
For nearly forty years the standard here has remained the 
same, and meantime, one by one, the other States have more 
and more nearly conformed to it, until now it is practically 
uniform throughout the country. 

Under it the companies have at no time been at a loss to 
provide for the performance of their insurance contracts, and 
lay aside a prudent and ample surplus for contingencies. But 
the interests are vast and momentous, and it is the part of 
wisdom to keep in view and weigh carefully every indication 
that bears upon their stability and permanence. If there is 
anything to-day that gives reasonable evidence — not a mere 
possibility — that the rates will decline within the average 
lifetime of the policies to an extent that 4 per cent, cannot be 
realized upon the reserve investments, provision should cer- 
tainly be made for more ample protection. 

The history of the tendencies of interest rates since the war 
of the rebellion is a very curious study. At the beginning of 
this period rates ruled at the highest, and there was no 
important diminution until the time of resumption of specie 
payments in 1879, and the return of the currency to a fixed 
and substantial basis. During the following ten years there 
was a gradual decline to the conditions which at present rule ; 
but for the past six or eight years there is hardly a perceptible 
change. These are the general facts, as almost universally 
testified to by bankers, investors and writers upon financial 
matters. 

Judged by the interest earnings of the reserves of the life 
insurance companies, however, a very different condition might 
be implied, as these investments are always made in as long- 
term securities as practicable, and would therefore show in 
their falling in and reinvestment a much more gradual pace and 
longer term during which an important change of rate would 
appear than in ordinary banking and commercial transactions. 



VI 11 REPORT OF THE 

From a quite careful analysis in this department of the in- 
vestments in which the reserves may be made under the rule 
established in the law of 1887, the interest earned upon the 
assets has averaged in no year during that time less than 5J- 
per cent, of the reserve; and on even the total ledger a 
which are made to include idle cash and certain other non- 
interest-bearing entries, the rate has always been in excess of 
5 per cent. 

The tendency, from these indications, seems no longer down- 
ward. But, as before said, the stake is too vital and important 
to permit the neglect of any reasonable prudence and caution. 
And it would perhaps be profitable here to look at present con- 
ditions and prospects. The companies have now in every case 
in good and acceptable funds the full entire reserve called for 
by the 4 per cent, net standard, which in itself makes them 
sound and able in the view of the law ; but, in addition, with 
few exceptions they each hold a surplus of more than 10 per 
cent, beyond the highest State requirement. 

This surplus has been acquired under rates of premium 
based substantially and for the most part upon the general 
standard. These premiums have been found adequate to meet 
the insurance costs, maintaining the requisite reserve and a 
prudent surplus for contingencies, besides making very sub- 
stantial returns to policy holders in dividends or distributions 
of unnecessary excess. 

The cost of sound and reliable life insurance is necessarily 
a considerable sum, and constitutes relatively a very apprecia- 
ble portion of the ordinary income of one who expects through 
its instrumentality to replace the product of his activity by a 
support of the objects of his care after he has ceased to be. 
In entering a mutual company he knows that the goodness of 
its promises depends vitally upon adequate contributions from 
all the members, and these he expects and is willing to share 
fairly with his fellows. Yet, while this is true and reasonable, 
he does not expect and ought not to be willing to spare from 
his resources any more for this purpose than is safely sufficient 
for its fulfilment. 

If a premium based upon the 4 per cent, assumption of in- 
terest has proved and from every sensible indication is likely 



INSURANCE COMMISSIONER. IX 

to prove, during the expected lifetime of the policy, amply 
sufficient and adequate for every purpose useful to his contract, 
there seems no justification whatever in placing it upon the 
higher standard of 3 per cent., and compelling him to pay an 
advance of from 12 to 20 per cent, upon the former price. 
If it really requires more money to take care of and protect 
the husiness than is now appropriated for that purpose, a 
simple cutting off of the distributions of surplus or a stop of 
curling it up into tontines would at once furnish an average 
of 10 to 20 per cent, for this purpose, and substantially re- 
move the necessity for the advance above stated. For, of 
course, if the object is merely to hold a greater relative fund, 
it could make no possible difference whether such increase was 
nominally added to reserve, or held as an unallotted surplus, — 
the money would be there the same in either case. 

One of the most important and interesting cases in point is the 
action of the New York Life Insurance Company in changing 
at a word the entire premium reserve and surplus basis of its 
affairs. This company announced late in 1897 that hereafter 
its business would proceed upon the interest assumption of 3 
per cent., also that the entire business of the past now remain- 
ing on the books would be brought to the same basis by the 
arbitrary transfer from surplus to reserve of some $16,000,000. 
Undoubtedly there was what appeared to the management of 
the company a substantial and sufficient reason for this action ; 
and that it was had for the believed best good of the members 
of the company cannot be doubted from the well-known and 
recognized high integrity and sagacity of the management. 
But no specific and definite reason has been stated, except that 
it was done in the interests of conservatism and redoubled 
safety. 

Two inquiries arise here at once : first, was this action really 
or probably necessary to the protection of the interests of the 
company? and, second, if not, was it just to the general in- 
sured membership and to the other companies? In the first 
place, the investments of the company, as shown by the pre- 
vious year's statement, earned a rate of interest of more than 
5 per cent, of the reserve, or, counted upon the total invest- 
ments, of more than 4| per cent., — quite as good a showing 



X REPORT OF THE 

as on the average of several years. In addition to this, it had 
a steadily increasing surplus of more than 15 per cent. o\ 
all liabilities. These would not seem to indicate an emergency 
for change. Moreover, it is announced that no change of pre- 
miums is intended, which means that the present 4 per cent, 
rates are sufficiently loaded to cover a 3 per cent, net rate, and 
leave the margin needed for current expenses ; the difference 
between the net 4 per cent, and net 3 per cent, in the premiui 
being carried to make up the increase of reserve, instead of, 
as formerly, to surplus and dividends. In effect this is the 
same thing as would be an actual increase of the premium rate 
by so much, and continuing the dividends as heretofore ; the 
company, in fact, retaining from the policy holder as extra 
reserve this amount formerly returned or credited to hinj 
surplus. He is insured in no greater sum than before, although 
paying a greater price ; for, if he dies, the $1,000 of insurance 
only is paid just as under the lower net rate. To say that a 
3 per cent, reserve may be maintained from premiums designed 
for one of 4 per cent., admits that present contributions are 
quite sufficient, and only a transposition of the accumulate 
is intended. 

It may be claimed that, as the reserve is higher, the sur- 
render value of lapsing policies would be correspondingly 
higher ; this may or may not be so, as that matter is entirely 
conventional, and not fixed by law of the States generally. 
But, at any rate, the difference would be comparatively unim- 
portant, and the giving of surrender values is only an incident : 
a life insurance company is not established for the sake of 
paying surrender values, but to pay insurance when the 
policies mature. 

If it was not necessary that the company should make this 
change, there is certainly a burden of added cost placed upon 
the business unjustly ; and the imputation goes out that, if 
this great company needs to change, certainly others ought, as 
well. So an uneasy impression pervades the community, and 
tends to agitation in Legislatures , to the general disturbance of 
the business ; since in many cases companies which are in full 
compliance with the present legal standard of 4 per cent., and 
in good condition and repute, yet would not be able to jump 



INSURANCE COMMISSIONER. XI 

at once to the 3 per cent, on their whole business ; and, if 
confronted with such requirement through hasty or incon- 
siderate legislative action, much embarrassment and danger 
might ensue. 

As a brief practical illustration of the effect of a change of 
the reserve basis from the present 4 per cent, to a 3 per cent., 
the following quotation is made from a discussion of the subject 
in the life report of this department, published in 1895 : — 

The question of interest rates in life insurance values and the con- 
sequences of raising or lowering them is wholly one of production. 
For instance, if one should desire to make an investment that would 
produce Si ,000 of interest per year, if the investment could be made 
in securities that bear 5 per cent, interest, the investment would need 
to be 820,000 ; if, however, it was found that such securities only 
could be had as were bearing 4 per cent., $2o,000 must be invested; 
if only 3 per cent., then S33,333^ would be needed. And when it is 
understood that this in principle is the effect that would be had of 
applying a change of rates to premiums and reserves in life insurance 
matters, it is easy to see the tremendous results of such a change. 
There are, in round figures, say Si, 000, 000, 000 of reserves held by 
the American life companies at this time ; and if the change from 
present 4 per cent, to 3 per cent, were to be at once applied to them, 
it would necessitate the increase of this sum by more than a hundred 
million dollars. . . . The commissioner sees no reason to change his 
heretofore position that action in this matter should not be asked of 
the Legislature until the companies themselves are convinced of its 
necessity ; that, as they are certainly as well informed on the subject 
as the average legislator or the commissioner, and quite as deeply 
interested, the initiative should come from them. Until the com- 
panies are ready to co-operate earnestly, the question would be very 
pertinent, 4t Why should the Legislature require the companies to 
charge the people higher rates of premium than they are willing to 
sell their goods for? " Whenever the companies, and especially our 
Massachusetts companies, generally agree that the time has come for 
the change, will be soon enough, even if not necessary for years, to 
ask for legislative interference. 

It was in the same line that the present commissioner ad- 
dressed the legislative committee recently ; and also that in no 
direction does there appear any indication of further falling off 



XU REPORT OF THE 

of interest rates ; that while, of course, it would be much 
easier to sit in one's office and wait for desirable securities to 
blow in at the window than to go out and hunt for them, if the 
finance committee would use one-half the assiduity in making 
investments that the solicitors do in procuring insurance, there 
would be no complaint about interest rates. 

Assessment Insurance. 

In the last life report of this department was given a brief 
but comprehensive history of the rise, progress and decay of 
the scheme of assessmentism, as exhibited in its application 
to life insurance by corporations formed in this Commonwealth ; 
and there were pointed out the causes which provoked the origin 
of this plan of attempted family protection, its fatal, inherent 
weaknesses, and the ignorance, folly, delusions and greed that 
hastened its decadence. There is little left now but to record 
the wrecks of the year, and the fruitless and disappointing 
efforts in this Commonwealth of the few young survivors. 

As indicated in that report, the entire sixty-two assessment 
life corporations formed under the original law, with the addi- 
tional fifty-six which perpetrated the assessment endowment 
and bond impostures, as well as an almost innumerable, in- 
consequential swarm of ephemeral schemes that were incubated 
under the various changes of the law T , have almost wholly dis- 
appeared. 

As to the cause of failure, that is easily apparent, and is the 
same as must inevitably bring a like result to any plan of whole 
life insurance which does not provide in the early policy life 
for the inexorably heavier cost as age brings on the increasing 
rate of mortality. The old saying, "Nothing succeeds like 
success, and nothing fails like the lack of it," has its full applica- 
tion here. As long as these associations were £oin£ on increasing 
in volume and paying their obligations with heretofore unimag- 
inable cheapness of cost, no word but commendation was heard 
from their members for the transcendent sagacity and intel- 
ligence that could achieve such wonderful results in thwarting 
the mortality and multiplication tables and making one dollar 
do the work of two in purchasing insurance. But when the in- 
evitable day of settlement came, the glamor was dissipated and 



INSURANCE COMMISSIONER. Xlll 

the facts stood out in their unrelenting and discouraging reality. 
The disenchantment is now complete, and with at present only 
four small companies of this sort, and those of recent forma- 
tion and of comparatively trifling extent, the community can 
now in clearer atmosphere review the past and draw conclu- 
sions for guidance of their future course in respect to life in- 
surance protection and the proper legal restrictions to be 
applied thereto. 

Perhaps it is not too much to say that they have already 
done so ; for, taking into account the four Massachusetts 
assessment companies just spoken of and the nine companies 
of other States admitted to do business under our assessment 
law, the total net increase of membership in this Common- 
wealth for the year 1897 was 206, while there was a loss of 
$687,537 in insurance in force. The details of the results 
achieved by the companies cannot but be of interest at this 
juncture ; and the following table is inserted without further 
comment except to remark that, as only 16,665 policies of 
assessment life companies are alive in ail this Commonwealth, 
— a less number than one of the fraternals has in force in the 
same territory, — it would seem to be an exceedingly favorable 
time to take such action with reference to a revision of the 
assessment law as experience has shown to be wise and needful. 



XIV 



REPORT OF THE 



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INSURANCE COMMISSIONER. XV 

During the year the two largest of this class of corpora- 
tions, — the last survivors of the early formations, — the Mas- 
sachusetts Benefit Life and the Bay State Beneficiary, have been 
dissolved by the court and placed in the hands of receivers in 
bankruptcy. Much blame and fault-finding have been heard, 
and not a few intimations of mismanagement and misappropri- 
ation of funds. As to the latter, it is a matter for the inves- 
tigation of the receivers, under the direction of the court, and 
the public must be satisfied with their findings and conclusions. 

The boast of cheapness of mortality cost is no longer heard 
among the surviving corporations. By force of circumstances 
they have conceded and recanted their former error in this 
respect. Four of the largest, of the nine admitted from other 
States and still transacting business in the Commonwealth, 
have recently applied to the commissioner, under the pro- 
visions of chapter 515, Acts of 1896, and been accorded 
approval of an increase in their assessment rates, in conse- 
quence of the inability to meet their claims under their 
former plans. In each case the request was for the approval 
of such change as would bring the old rates, which in some 
cases had been fixed and kept at the price at age of entry, up 
to such as would be called for by the attained age, with the 
implied understanding that they must continue to advance, to 
keep pace with the added cost demanded by increasing age. 

Very little quarrelling with the mortality tables is now 
heard, it being generally agreed that they quite reasonably 
represent the normal or now expected conditions. A few 
turns of the wheel of time often bring radical changes in pre- 
conceived theoretical impressions. If in the early years of a 
company and under a preponderance of fresh medical selections 
the tables seem too liberal, this hallucination gradually recedes 
to a vanishing point as age advances. As the ages reach and 
pass sixty, the increase by the tables becomes more and more 
rapid, until soon intolerable. What then? With no adequate 
reserve to hold down and prevent the advance of rate, the 
prohibited and impossible is quickly reached. 

The scheme of ''stipulated" premium, which has been talked 
of somewhat lately, is but another term for the natural or 
step rate just alluded to. "A rose by any other name," etc. 



XVI REPORT OF THE 

So there goes on to-day under sanction of the Common- 
wealth the transaction of the same business — life insurance — 
under exactly opposite regulations in the two classes of compa- 
nies, — assessment and old-line. In one case, with premiums 
arranged entirely at the discretion of the company, and no 
reserve, properly so called, at all required ; in the other, 
minimum premiums and reserves fixed by law with utmost 
rigidity. The extremes of levity and gravity seem here to be 
presented in bold contrast. 

The irresistible conclusion forced upon the late conn 
sioner, and so fully elucidated and exemplified by him in his 
last life report, that the scheme of assessment insurance for 
the whole term of life is an "iridescent dream," is fully shared 
by his successor. 

The State too Generous avith its Charters. 

It is worthy of serious consideration that, while life insur- 
ance companies of one class may be organized only at the will 
of the Legislature, under special charters, those of another 
class may be formed with the greatest facility, under a general 
law. 

This former class the Legislatures of this Commonwealth 
have hedged about by the most rigid laws, compelling them 
to confine their processes to an inflexible standard of mortality 
and interest ; to charge and maintain a fixed rate of premium ; 
to accumulate and keep constantly improved by interest an 
exactly computed reserve ; to return periodically to the mem- 
bers the surplus earnings, and a legally fixed surrender value 
to retiring members ; to furnish each year to the insurance de- 
partment a description in detail of each policy issued during 
the year, in order that its value may be computed indepen- 
dently of the companies in fixing their liability ; and, finally, to 
submit as often as once in three years to a rigid examination 
of their property and affairs by the insurance department. 

Moreover, as the Legislature retains to itself the riirht to 
determine whether new savings banks, trust companies and 
loan fund associations are called for by the needs or conven- 
ience of the people, and puts under strict investigation all 
applications for the establishment of new corporations of this 



INSURANCE COMMISSIONER. XVI 1 

character, and only allows them to be formed under special 
legislative permission, and thereafter holds them to strictest 
accountability for their conduct and management, so is it with 
the regular life insurance companies, and no level-premium life 
insurance company so chartered by this Commonwealth has 
ever failed. 

But when we turn to assessment companies, the policy 
adopted by the State has been different. Not only has there 
been a remarkable lack of restraint in the conduct of these 
companies, but the law has been most favorable for their 
organization. There has been no call to demonstrate to a 
Legislature that there was need of a new corporation of this 
character, for that body had so arranged it that the travail of 
birth should be as slight as possible. Under the statute relat- 
ing to these companies, seven persons may organize such a 
corporation at any time, and carry on the same kind of business 
as that other class of companies which a special charter is and 
always has been required to create. 

It is well now to look at results. Following the passage of 
the general assessment law of 1877, sixty-two assessment com- 
panies, as has already been said, were almost immediately or- 
ganized. Every one of them has now departed, some going in 
infancy, some in childhood, while only two lived to be of much 
consequence, and both of these are now having their bank- 
rupt estates administered upon by order of the court. Their 
beneficiaries will receive perhaps twenty-five per cent, of their 
claims, while their old or feeble members, whom no company 
would now insure, are left desolate, all their fond hopes, that 
when life for them should cease something would be left to 
their dependents, being dashed to earth. Many of these people 
feel that they have been deceived, — nay, robbed without con- 
science. Some blame the companies' managers, while others, 
who look beyond the instruments to the system, hold the Com- 
monwealth of Massachusetts responsible, because it set its 
seal of approval upon laws which authorized, under the name 
of life insurance, the easy organization of companies with such 
elements of weakness and uncertainty. 

Is it too much to ask, in view of the past, that the Legisla- 
ture itself assume the right of saying when such corporations 



XV1U REPORT OF THE 

are needed, instead of leaving it to the biassed judgment of 
seven residents of the Commonwealth, who may have little or 
nothing to lose by experimenting with the public, but who may 
make the Commonwealth itself a great loser by their abu.se of 
the opportunity too freely bestowed? 

Keasonable Assurance of Indemnity. 

It ought not to be necessary to argue that, when an insurance 
company has become so weak as to be unable to afford a 
reasonable prospect of paying the indemnity it promises in its 
policies, it should be compelled to discontinue the transaction 
of business. Anything less than such "reasonable prospect" 
means that the company is "running for luck," and cannot 
offer anything to the public worthy of the name of insurance. 
And yet during the last year we have seen corporations of 
such doubtful character strenuously oppose this department in 
its efforts to place them in the hands of receivers, or so to 
dispose of their interests that they would not continue to 
burlesque an honorable business. 

To insure means to make sure or secure. Insurance must 
be based on substance, not hope ; otherwise it is not security, 
but a taking of chances, a roll at the wheel of fortune. Such 
uncertainty, let it be repeated, should not be sold as insurance 
in this Commonwealth. Some there are, however, who ap- 
parently do not agree to this statement ; and, to understand 
fully their position as interpreted by their deeds, it will be 
illuminating to trace the history of two of the cases with which 
this department has had to deal within the past few montl 
One shows how blind men can be in defying the inexorable 
laws of mortality, and to what lengths they will go in calling 
that insurance which has no element of security in it : the 
other, the weakness of the barrier which stands between bank- 
ruptcy and some corporations engaged in selling what they 
call insurance, but what is reallv only its counterfeit. The 
former will be illustrated by the Massachusetts Masonic Life 
Association of Springfield, now in the hands of a receiver, 
and the latter by the Atlas Accident Insurance Company, 
whose business is now reinsured, and whose end, happily, is 
assured. 



INSURANCE COMMISSIONER. XIX 

The Massachusetts Masonic Life Association was doing a 
life insurance business on the assessment plan. It started as 
a "fraternal," but in 1893 changed to the "business basis;" 
but, instead of working the field for new blood, it stagnated. 
Year by year the three or four thousand members grew older, 
and the inevitable result was an increase in mortality. In lieu 
of collecting sufficient assessments to pay the death claims as 
they accrued, their payment was postponed. Finally they 
aggregated twice the amount of the fund in hand to pay them. 
An extra assessment was then laid. But it was too late. In 
a short time they increased to nearly $100,000, or three times 
the funds in hand. The case was desperate, and a plan was 
devised and adopted, somewhat new in the history of assess- 
ment insurance. Acknowledging the bankrupt condition of 
the company, the officers had a compromise agreement drawn 
up and presented to the beneficiaries for their signatures, which 
provided that every signer should accept twenty-five per cent, 
of his claim in full payment, provided the signatures of a 
certain number were secured. 

And this in Massachusetts, and this an insurance company 
that had posed as offering indemnity to widows and orphans 
for losses sustained ! 

The promoter of this scheme demurred at being disturbed, 
and argued that, if he were allowed to carry it out and settle 
the debts of the company with twenty-five cents on the dollar, 
it could continue. 

Continue to do what? Offer indemnity? Base profanation 
of the word ! 

Happily, whatever the other faults of the assessment law, it 
was not found lacking here. Its whole trend is to compel 
either the payment in full of all valid claims, or the company 
failing to pay to put up its shutters. 

Section 10 of this law declares that an assessment corpora- 
tion shall "specify the sum of money it promises to pay;" 
and that the corporation shall be obligated for such payment 
"to the amount specified;" and, as if this were not enough, 
it adds that this indebtedness, namely, the debt incurred by 
the happening of the contingency insured against, shall be a 
lien upon all the property of the corporation, with priority 



XX REPORT OF THE 

over all indebtedness thereafter incurred, — that is, while the 
corporation is a going concern, the first claim must be paid in 
full before any other claim can have standing. 

After having said that the corporation must specify the 
amount to be paid and must pay the amount specified in full, 
prior to the payment of any subsequent claim, the law provides 
further that, if it has refused or failed to make such payment 
for thirty days after becoming due, it shall be forced to sus- 
pend business until such indebtedness is fully paid. 

The language of section 11 is none the less explicit and 
forcible. It provides that, in case of the suspension of such 
corporation, the Insurance Commissioner shall examine its 
affairs ; and, if it appears to him that it cannot pay its accrued 
indebtedness in full within three months, he shall report the 
facts to the Attorney-General. 

But this payment in full is not left to chance or to the whim 
of directors in making assessments, for section 15 provides 
that, if the officers refuse or neglect for sixty days after a claim 
under a policy is satisfactorily proved to levy an assessment to 
pay the same, they shall become liable to the beneficiary for a 
sum not exceeding the face of the claim. 

Another section of this law, section 16, throws a strong 
side-light upon the intent of the law-makers in regard to the 
payment of the amounts named in the policies, for it provides 
that no foreign assessment corporation shall be licensed in this 
Commonwealth unless it is paying in fall the maximum amount 
named in its policies. 

It is difficult to see how law^s could be drawn to provide 
more explicitly that the corporation shall specify the amount it 
will pay ; that, if the claim is valid, it shall pay that amount 
in full; that the Insurance Commissioner shall call a halt if it 
fails to make such payment ; that he shall take steps to bring 
the corporation before the court, if he believes, on examina- 
tion, that it cannot pay its accrued claims in fall within three 
months. 

This language is so explicit that it takes away any right such 
a corporation might otherwise possess to make a composition 
arrangement with its creditors. In simple and definite terms 



INSURANCE COMMISSIONER. XXI 

it provides that when a corporation of this kind becomes bank- 
rupt it must be closed up, or at least have its affairs brought 
to the attention of the courts, for making such order as the 
interest of the corporation and the public may require. 

If it be argued in answer that insurance companies are com- 
promising claims every day, it is sufficient to reply that those 
cases are different. In this case there was no dispute as to 
the amounts due, — the ground of compromise was the inability 
of the corporation to pay in full. In the other cases the reason 
for the compromise is that the corporations deny liability for 
the face of the policy, on account of some vitiating circum- 
stance, and the compromise is simply an agreement as to the 
amount of the liability. 

The commissioner insisted upon a receivership, in view of 
the condition of the company and the provisions of the law, 
knowing full well that, if the compromise agreement should 
prevail, the company would never be in a position to furnish 
insurance, even though it might offer an article for sale bearing 
that label. 

Let us now turn to the case of the Atlas Accident Insurance 
Company of Boston. This corporation was doing business 
under the same assessment law as the company just considered, 
but an accident instead of a life business ; which means that it 
was offering insurance on account of the accidental death or 
the physical disability of the insured through accident. In case 
of accidental death, the usual benefit to accrue was $5,000 ; 
but for ordinary accidents, such as comprise a great majority 
of the claims which such companies pay, the indemnity was but 
a few dollars a week. 

A feeble company of this kind, which could stand the drain 
of a few ordinary casualties, might be crippled if it were called 
upon to pay a claim resulting from a fatal accident. The 
funds, therefore, which would be sufficient to afford a basis for 
issuing a policy of insurance in case of injuries calling for 
weekly payments, might be wholly insufficient to pay for a 
series of losses arising from fatal accidents. The issuing of 
such promises by companies holding insufficient funds is simply 
a gamble. If fortune smiles, all is well. If she frowns, even 



XX 11 REPORT OF THE 

to the extent of one death claim, a crisis is precipitated; if to 
the extent of two, insolvency is inevitable. And yet its prom- 
ises are called insurance, and are sold as insurant 

The company in question, with a membership of 3,500 and 
an emergency fund of $6,500, had not merely two death claims 
preferred, but more. In fact, six were made, amounting to 
$30,000, all of which, however, could not reasonably be said 
to be valid for the full amount. Of course the company did 
not have the means to pay them, yet it did not dare to make 
extra assessments upon its policy holders. The recourse w 
the same as in the former case, — an attempt to induce the 
beneficiaries to accept less than the amount of their claims, 
partly, at least, on the ground that the company was financially 
unable to pay them in full, — a confession that what had been 
sold for insurance had too little back of it to warrant the 
taking of any such obligations as the company assumed. In 
truth, it showed that this company was merely "running for 
luck," and claimed to sell an article it did not supply, namely, 
genuine insurance. 

And this is what every weak company is doing when it 
issues promises of such magnitude that the happening of one 
or two contingencies which it insures against will exhaust it- 
resources. Such business is not insurance; it is but a trav- 
esty upon the name, if so called. It is rather a lottery, in 
which the loss by accident of one, or at most two, out of 2,000 
or 3,000 lives, means a blank to the rest, as far as security is 
concerned. 

The purpose in alluding to this is not to drag these two 
companies specially before the public, but to show by illustra- 
tion the assumptions sometimes made by persons ignorant of 
the peril to which they expose others, or too selfish to take 
counsel of their intelligence. What, for instance, could be 
more repugnant to all right ideas concerning life insurance, 
which has a sacred mission of ministering to the weak and the 
dependent, than this proposition to cut them off with a quarter 
of their promised benefit, in order that a company might hold 
out its false hopes a little longer ? The commissioner felt it to 
be his unquestionable duty to set his face sternly against any 



INSURANCE COMMISSIONER. XXlll 

such attempts at compromise, knowing full well that, if such a 
precedent should be established, it would be followed by every 
similar company in like financial straits, and that a state of 
affairs would result which would make it uncertain whether the 
amount written in the policy means anything or not. It ought 
to mean what it says, and the corporation in which it does not 
should be denied authority to continue to hold out promises it 
has no reasonable prospect of fulfilling. 

Fraternal Beneficiary Societies. 

The fraternal associations which have, in connection with 
other purposes of their organization, a system for the payment 
of benefits to disabled members and a provision for the families 
of those deceased, are constituted on wholly different plans 
and under essentially different laws from the so-called assess- 
ment insurance companies. The latter are purely business 
concerns, sometimes nominally mutual, but for the most part, 
until quite recently, w T holly proprietary, and carried on as 
commercial enterprises, without pretence of any social or fra- 
ternal purpose. Their business is conducted through paid 
agents, the same as any mercantile or other business estab- 
lishment, and the law of their organization requires at the 
very outset that they stipulate to pay a fixed sum of insurance, 
which must be provided for by assessments. Failure to meet 
the full sum of the obligation at its maturity forfeits their 
right to continue in existence. 

The fraternals, on the other hand, were originally organized 
as purely mutual societies, for any educational, charitable, 
religious, social or other purpose not forbidden by law T , and 
were allowed to attach to such other purpose a provision for 
the benefit or relief of their members or their dependents in 
case of disability or death. 

Subsequently, the statute was enlarged to permit such or- 
ganization for these relief purposes only. Under the law for 
their government they are to prescribe a fixed contribution 
from each member on the happening of the event calling for 
such relief; but in no case for any fixed amount of benefit 
beyond what such single contribution may produce, whether 



XXIV REPORT OF THE 

it meets the full maximum limit of the benefit nominated in 
the certificate of membership, or falls below it. Hence, under 
the plans of the fraternals in the sense of the law there could 
not occur the same contingency of failure to meet the agree- 
ment of benefit to which the assessment companies are subject. 
This is an essential point of difference between the two classes 
of organizations. 

Their purposes must be carried out through the lodge or 
society system, without the aid of paid agents or other similar 
commercial appliances. The regulation and conduct of affa 
is through lodge action, or representation, as in the larger 
fraternals, in the grand bodies. They are intended and held 
by the law to be little republics among themselves, and 
such are subject only to such general legal restraints as they 
themselves have found needful, and have requested from the 
Legislature. 

The fraternal or social features of these organizations have 
of course at no time been a matter of care to the law, and the 
financial transactions have been regarded only to the extent 
necessary for such protection as the scope of their organization 
could not include. From the very nature of such institutions, 
this is all the legal restraint apparently that could be justified ; 
because, as these societies are purely mutual and fraternal, 
with no purpose of gain or profit to any one in their condu 
and as all the operations and transactions are carried on in full 
lodge or council, so that each member mav have knowledge 
and vojce therein, there could be no just or reasonable call 
upon the Commonwealth for protection of the membership 
against itself. 

That the purposes and methods of the fraternals \have been 
attractive and satisfactory, is evidenced, first, by the great fol- 
lowing they have aggregated; and, second, by the absence of 
any serious scandal or complaint of the treatment accorded to 
either the individual or collective membership. In this view, 
it has seemed to this department that there was no need or call 
for interference with their operations by tentative or experi- 
mental legislation or departmental restrictions, and that they 
should be left by the State as completely untrammelled 
possible, to work out their purposes and ends. 



INSURANCE COMMISSIONER. XXV 

During the present session of the General Court a new draft 
of the statute relating to this class of corporations was pro- 
posed by their own representatives. To this, with the excep- 
tion of one suggestion, the commissioner has interposed no 
objection, for, while in some particulars the changes contem- 
plated may seem to him of doubtful expediency or dangerous 
tendency, still, in deference to the practical experience and 
trained and mature judgment of the managers, whose sincerity 
and faithfulness of intention are not to be doubted, he has been 
unwilling to urge his mere opinion in opposition. 

There was one point, however, which seemed to him so vital 
to the interests, welfare and continuance of the fraternal 
system as to call for most serious consideration ; and, upon 
being consulted, in the formative stage of the bill he earnestly 
urged the exclusion of the clause permitting the employment 
of paid agents, after the manner of the assessment companies, 
in promoting increase of membership to the societies. This, as 
it seemed to him, if allowed, would at a stroke remove one of 
the essential and vital distinctions between the two classes 
of institutions, and destroy an important barrier between the 
fraternals and the dangers and disasters that had befallen so 
many of the assessment companies. 

Statements Concerning Insolvent Companies in the 
Hands of Eeceivers. 

Massachusetts Benefit Life Association. 

Arthur Lord and A. S. Wood worth were appointed tem- 
porary receivers of the Massachusetts Benefit Life Association, 
Aug. 18, 1897, and permanent receivers Sept. 3, 1897, by the 
supreme judicial court. The total amount of claims proved 
under certificates or policies is $929,158.30 ; the total amount 
of claims under certificates or policies still pending is approxi- 
mately $175,000; the total amount of claims filed against the 
expense fund is about $60,000. Amount already disbursed to 
policy holders is $2,063.15, the same being amount of assess- 
ments paid subsequent to the appointment of receivers and 
due subsequent to such appointment, and returned by the 
receivers under order of court. 



XXVI REPORT OF THE 

The assets now in hand are as follows : — 

Town, city, railroad and government bonds, at par, deposited 

in the State treasury, ? 173,000 00 

Notes secured by mortgage on real estate in the United States, 

face value, 52,000 00 

Trustees 1 certificate for money advanced and expended in 

building No. 60 State Street, Boston, face value, . . . 194,200 00 

Note secured bj' collateral, 6,203 61 

Cash in national banks April 1, 1898, 60,601 64 

Total, $492,005 25 

The report of the temporary receivers has been filed and 
allowed. Xo report by the permanent receivers has been 
made, other than full inventories, which have been duly filed. 

At the time of the appointment of the receivers there were 
pending in various State courts all over the county 140 suit-. 
involving $339,310.58 ; of which 109 have been disposed of, 
amounting to $237,160.58, and final decrees entered. Of the 
remaining cases, some were tried prior to the appointment of 
the receivers, and the decision of the court on appeal has not 
yet been received ; and others are in process of adjustment, 
and can be shortly disposed of, although the formal entries 
have not been made. 

Under the statute of 1890, chapter 421, section 14, it is pro- 
vided that the emergency fund accumulated by said association 
is to be applied under the instruction of the court, "first, in 
the payment of accrued claims upon certificates or policies, or, 
if insufficient to pay such claims in full, they shall be paid pro 
rata ; second, if a balance remain, in the payment of like claims 
thereafter accruing, in the order of their occurrence.*' 

Upon the petition of receivers for instructions as to the mean- 
ing of the term "accrued claims," it was held by the court that 
the term " accrued claims," as applied to death claims, embraces 
and is confined to those claims where the death happened 
before the filing of the bill in this cause: to wit, Aug. 17. 
1897. That claims for disability which arise under policies 
containing the following provision: "In the event of said 
member becoming totally and permanently disabled, and the 
determining of such disability by the medical director and 
board of directors of said association, there shall be paid to 



INSURANCE COMMISSIONER. XXV11 

said member, at the option of said board, if he shall so request 
in writing at any time while this policy is in full force, upon 
the surrender to said association of this policy and the cancel- 
lation of the same, in full discharge and settlement of all claims 
under this contract, a sum equal to one-half the face of his 
certificate or policy," — are not accrued claims, within the- 
meaning of the statute, unless such disability had been deter- 
mined by the medical director and board of directors of said 
association, and said board, before the filing of the bill, had 
exercised its option to pay the claim. 

From this decision an appeal was taken to the supreme 
court and has been argued, but no opinion has been filed. It 
has also been held by the court that claims for disability which 
arise under policies which contain the following provision : 
" In the event, however, of said member becoming totally and 
permanently disabled, and the determining of such disability 
to the satisfaction of the medical director and board of direc- 
tors of this association, and upon the surrender to said asso- 
ciation of this policy and the cancellation of the same, there 
shall be paid to said member, if he shall so request in writing, 
in full discharge and settlement of all claims under this con- 
tract, the sum of $ ," — are not accrued claims, within the 
meaning of the statute, unless such total and permanent dis- 
ability existed prior to the appointment of the receivers, and 
notice was given to the association prior to said appointment 
of the election of the policy holder to surrender and cancel 
his policy and accept the disability provision contained therein. 

Bay State Beneficiary Association. 

Springfield, Mass., April 20, 1898. 

Hon. Frederick L. Cutting, Commissioner. 

We respectfully submit the following statement respecting the 
settlement of the affairs of the Bay State Beneficiary Association, 
under decree of the supreme judicial court, in Attorney-General v. 
Bay State Beneficiary Association, Suffolk, ss., Equity No. 6083. 

The petition in said cause was filed by the Attorney-General 
Nov. 6, 1897. On November 9 the undersigned were appointed 
temporary receivers ; on November 11 they filed their bonds, in the 
sum of $25,000 each, and immediately entered upon the discharge of 



XXV111 RErORT OF THE 

their duties; on Nov. 10, 1897, they were appointed permanent 
receivers ; and on December 2 of said year they qualified by filing 
bonds in the sum above stated. 

Since our first report, dated Dec. 15, 1897, showing an inven- 
tory of $150,896 57 

We have received as follows : — 

Interest from funds in hands of State Treasurer Jan. 13, 1898, 280 00 

Feb. 12, 1898 720 00 

Interest on Foster mortgage, March 10, 182 00 

Interest from Agawam National Bank, 36 91 

February 19, Mutual Reserve Fund Life Association, on ac- 
count, 1,071 60 

Assessments paid, 161 71 

Total, . ? 153,348 49 

Of this amount, 884,000 is with the State Treasurer; $38,000 is 
held by Hampden National Bank and TToronoco Savings Bank of 
TTestfield, Mass., as security for the payment of S3 2, 000 due from 
the association to said banks; $1,000 is held by the Commissioner of 
Insurance of Missouri, and $3,500 by the American Surety Company 
as collateral. 

One hundred and sixty-one mortuary claims against the association 
have been filed, aggregating $403,500, in cases where the parties 
died prior to the date of the filing of the petition of the Attorney- 
General for the appointment of receivers. Since that date 35 claims 
have been filed, aggregating $95,000, being cases where the mem- 
bers died subsequent to the date of filing said petition. There have 
also been filed with the association 125 disability claims, aggregating 
$150,250, and with the receivers since their appointment 9 claims, 
aggregating $13,000, making the total claims under policies $661,- 
750. Miscellaneous claims, largely for advertising, agents' services 
and services of medical examiners, have been filed, aggregating 
about $5,000. 

The receivers have delayed asking to have a time fixed for the filing 
of claims, for the reason that a serious question has arisen as to the 
validity of the disability stipulation in the policies, in view of the 
provisions of chapter 421 of the Acts of 1890; and it has seemed 
advisable to ask the court for instructions respecting the broad legal 
questions involved, before requiring members of the association to 
incur the expense of preparing and presenting their cases on the 
facts. The request for instructions in the above particular is now 
pending before the supreme court. 



INSURANCE COMMISSIONER. XXIX 

The receivers have also asked of the court instructions as to the 
meaning of the term "accrued," in section 14, chapter 421 of the 
Acts of 1890. Should the ruling of the single judge be sustained, 
claims in cases where the members died subsequent to the date of 
the filing of the petition for the appointment of receivers would be 
excluded from sharing in the emergency fund, which embraces 
nearly all the assets of the association. No distribution has been 
made of the funds of the association, and no debts existing at the 
time of the appointment of the receivers have been paid. Under the 
contract between the receivers and the Mutual Reserve Fund Life 
Association of New York for the transfer of certain assets of the Bay 
State Beneficiary Association, it is expected that at least $7,500 will 
be realized for the benefit of the estate. 

H. C. Bliss, 
H. S. Hyde, 

Receivers. 
Guardian Life. 

Frank D. Allen, Equitable Building, Boston, was appointed 
receiver July 21, 1896. He reports that the assets consist of 
a bond of the town of Winchester for $1,000, and then pro- 
ceeds as follows t — 

The books and papers of the company were in such unsatisfactory 
condition that it became necessary for me to employ an expert to 
carefully examine the same, and from the nature of his report I have 
been obliged to proceed with great caution in investigating and pass- 
ing upon the claims against this company. Some suits are still 
pending outside the borders of Massachusetts to recover sums im- 
properly loaned by the company to agents, but it is expected that 
the same will be finally disposed of before the first of October next. 
I hope to be able to dispose, satisfactorily, of all claims in contro- 
versy before next January. 

As the policy holders were turned over en masse to the Massachu- 
setts National Life Association of Westfield, the 6th of June, 1896, 
up to which time sufficient calls had not been made upon the policy 
holders to satisfy the claims then outstanding, and as the question 
of the liability of the policy holders under such circumstances seemed 
likely to be determined by the court in connection with the Massa- 
chusetts Benefit Life Association, I have felt that it was wise to 
await the decision of the court in that case, as materially affecting 
the question of whether more than a merely nominal dividend could 
be paid upon the approved death claims. In this connection, I wish 



XXX REPORT OF THE 

to say that there are some claims of services of physicians, aggre- 
gating $655.14, much of which is at least dubious; there are also 
claims for office rent, merchandise, advertising and printing, amount- 
ing to $1,471.10, much of which is dubious. It is impossible, how- 
ever, from the books and papers at hand, and in the absence of the 
principal officers from the Commonwealth, to satisfactorily pass upon 
these claims, very few of which have been proven. 

Such amount as may be in hand for distribution could doubtless 
be distributed before the first of next October, if desirable. 

Order of the Golden Grail. — Joseph I. Bennett, receiver, 
61 Court Street, Boston, appointed Sept. 18, 1891. The re- 
ceiver reports that he is holding the order open, in the hopes 
that something additional may eventually be received from the 
defunct Suffolk Trust Company, in which the Grail was a large 
stockholder. All moneys collected have been distributed under 
order of the court. 

Annual Friend. — John C. Burke, receiver, Lowell, Ma—., 
appointed May, 1893. Suit against the officers of the cor- 
poration resulted in a judgment for about $48,000, of which 
less than $3,000 has been collected, which was disbursed under 
order of the court in payment of the expense of litigation. 

Friendly Aid Society. — Henry A. Wy man, receiver, Ex- 
change Building, Boston, appointed September, 1891. The 
supreme court decreed, on March 14, 1898, that the balance 
of funds held by receiver be distributed, under which decree a 
5 per cent, dividend upon $276,465.50, equalling $13,823.28, 
has been paid, which is a final disposition of all the funds in 
the receiver's hands. 

Boston Fraternity League. — John N. Shattuck, receiver, 
appointed Feb. 27, 1897. Final report was filed May 28, 
1897, showing that $303.90 had been disbursed, which was the 
total amount of the funds cominof into the hands of receiver. 



o 



Odd Fellows Mutual Benefit Association. — Samuel Chapin, 
receiver, Lowell, Mass., appointed April 14, 1897. The 
affairs of the company are practically settled, the dividend to 
claimants having been 10 per cent. 



INSURANCE COMMISSIONER. XXXI 

Mutual One Year Benefit Order. — Sherman L. Whipple, 
receiver, 5 Tremont Street, Boston, appointed Feb. 24, 1892. 
The receiver is now making final distribution of the funds. 
Amount already disbursed $110,557.86, and assets now in 
hand $2,441.47. 

Industrial Order of America. — John P. Leahy, receiver, 
22 Pemberton Square, Boston, appointed July, 1892. All 
assets have been distributed under order of the court. Divi- 
dend paid, about 45 per cent. 

Order of the Hed Cross. — Samuel K. Hamilton, receiver, 
31 Milk Street, Boston, appointed January, 1893. Settlement 
delayed, pending adjustment of legal questions. No dividend 
probable. 

Suffolk Mutual Accident Association. — George S. Merrill, 
receiver, 17 Milk Street, Boston, appointed Feb. 17, 1897. 
Xo settlement effected, pending decision of legal questions. 

Security Live Stock Insurance Company. — Alpheus San- 
ford, receiver, Mason Building, Boston, appointed Sept. 3, 
1896. Report to this department not yet filed. 

New England Live Stock. — Charles Walcott, receiver, 
Exchange Building, Boston, appointed Dec. 17, 1897. Re- 
ceiver reports that the assets on hand March 31 were $501.66 ; 
that the books of the company have been balanced, and the 
collection of unpaid assessments begun. 

Golden Lion. — Lasell E. Partridge, receiver, 10 Tremont 
Street, Boston, succeeding George S. Hale, deceased. A 
report asking for leave to distribute the final dividend was 
filed and allowed, and decree thereon issued, becoming abso- 
lute March 16, 1898. Dividends aggregating 125 per cent, on 
benefit assessment paid in by members whose claims were 
allowed have been decreed and allowed. 

Massachusetts Masonic Life Association. — Jonathan Barnes, 
Esq., receiver, Springfield, Mass., appointed Nov. 19, 1897. 
Amount of claims proved against the company, $98,400; 
amount in controversy, $10,000; assets in hand, $32,509.30. 



XXX11 REPORT OF THE INSURANCE COMMISSIONER. 

Receiver states he hopes to make a distribution of the greater 
part of the assets before June 1, 1898. 

Mercantile Mutual Accident Association, — Charles E. Shat- 
tuck, receiver, 53 State Street, Boston, appointed Feb. 7, 
1898. 

World Accident Association. — Thomas X. Perkins, re- 
ceiver, 53 State Street, Boston, appointed Jan. 17, 1898. 

Massachusetts National Life Association. — George Kress, 
receiver, Westfield, Mass., appointed March 7, 1898. 

Examination of Companies. 

Since the publication of the last annual report of this depart- 
ment, the following companies, other than fire and marine, have 
been examined by direction of the commissioner, in the chron- 
ological order herewith sriven : — 

The Bay State Beneficiary Association, Boston Mutual Life 
Association, Greenfield Life Association, Equitable Accident 
Association, Xew England Burglary Insurance Company, Ma- 
sons' Fraternal Accident Association of America, Massachusetts 
Masonic Life Association, Massachusetts Title Insurance Com- 
pany, Conveyancers' Title Insurance Company, American Mut- 
ual Liability Insurance Company, Mercantile Mutual Accident 
Association, World Accident Insurance Company, Masonic 
Equitable Accident Association of the World, Atlas Accident 
Insurance Company and John Hancock Mutual Life Insurance 
Company, the latter having been given its triennial examina- 
tion, as required by law, a report of which will be found in 
the Appendix. 

As a result of the examinations, the Bav State Beneficiarv 
Association, Massachusetts Masonic Life Association, Mercan- 
tile Mutual Accident Association and World Accident Insur- 
ance Company went into the hands of receivers, and the Atlas 
Accident Insurance Company retired from business, having 
reinsured its risks. 

Respectfully submitted, 

FRED'K L. CUTTING, 

Insurance Commissioner. 



STATISTICAL TABLES. 



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-5f 


Oi 


•4* 


CO 


1-H 


© 


00 


c 


1—1 


© 


CO 


Oi 


© 


1— 


t» 


CO 


CO 


t^ 


1-H 


o 


© 


t>. 


*a 


© 


t^ 






































1— i 


© 


CO 


CO 


© 


of 


-H 


M3 


Tt< 


— * 


co 


CO 


1— 1 


l-H 


© 


00 


•**« 


CO 


no 


Tf 


CO 


T< 


f-H 


CO 


Oi 


CO 


t— t 


oo 


«5 


-rH 


CO 


t-~ 


t» 


co 


© 


© 


04 


Tf< 


1— 1 


CO 


CO 


°1 


o 


t^ 


00 


co 


f 


o 


CO 


CO 


CO 




•^ 


© 






































r» 


CO 


© 


CO 


t-H 


© 


o 


1—1 


CO 


CO 


1-H 


CM 


CO 


l-H 


l-H 


CO 


©" 


o 


i— ( 


CO 






CO 


1— 1 










l-H 












© 

I-H 


© 

CM 


r^ 


CO 


Oi 


Oi 


o 


CO 


CO 


CO 


CO 


o 


ia 


00 


o 


b- 


© 


_, 


t>- 


o 


»n 


o 


•«!H 


ira 


so 


CO 


CO 


co 


t^ 


o 


CO 


t^- 


1-H 


© 


t^ 


© 


CO 


l-H 


CO 


CO 


lOl 


CO 


o 


CO 


CO 


© 


lO 


t^ 


t^ 


o 


»a 


o 


00 




©^ 


© 






































i— i 


CO 


Oi 


1-H 


CO 


\G 


CO 


CO* 


CO 


CO 


o 


CO 


t^ 


© 


© 


"CH 


I-H 


CM 


CO 


CO 


CO 


Oi 


Oi 


co 


T»< 


CO 


■* 


CO 


00 


00 


Oi 


CO 


© 


I-H 


o 


© 


© 




CO 


o 


t>- 


o 


CO 


1—1 


1—1 


o 


»o 


CM 


CO^ 


»o_ 


"^1 


r^- 


00 


oq 






































CM 


■f 




CO 


1— ' 


o 


t^ 


CO 


CO 


CO 


tn 


CO 


TjT 


l-H 


1-H 


CO 


© 


t>r 


CO 


to 


1— I 




-Jl 


CO 










I-H 












CO 


© 

CM 


O 
















o 


o 


o 




o 




© 


© 


© 


© 


o 
















o 


o 


o 




o 




© 


© 


© 


© 


o 
















o 


o 


o 




o 




© 


© 


© 


B 




1 


1 


1 


1 


1 


1 


1 








1 




1 










o 
















o 


o 


o 




o 




© 


»o 


© 


o 


o 
















o 


© 


o 




o 




-h< 


OI 


Oi 




©_ 
















o 


l-H 


co^ 




1-H 




■<*< 


1-H 




IN 


CO 
















l-H 




of 












oo" 


cxf 


































m 


s» 












15 

3 
3 

3 

5 

d 

CO 

o 

H-» 
(H 

o 
55 






■i-T 

CO 

3 
















00 

o 

■«H 

cct 
CO 




a 

"o 
o 

H-> 

2 


"5 

3 
— 

s 


■*-> 
58 

a 
e 
<_> 

PQ 

IS 

a 

a 

2 


a 
# o 

+3 

•A 


• 

Th 
o 


• 

3 

■•— 
3 

3 
8 

Ph 


• 

"cS 

3 

H— 

3 
3 

8 

Ph 


8 

« 

8 
o 

'> 
o 

H 

Ph 


oo" 
tD 
8 

> 
a 

CO 

3 
a> 

o 

iH 

Ph 


2 

8 
o 

3 
H 


• 
CO 

u 

"3 
> 

ha 

H 


*o3 

c 

8 
<x> 

o 

8 

.2 

p 


*3 

3 
3 

8 

o 
'e 

p 


DO 

V 

*-> 

as 

CO 

73 
V 

♦-■ 

8 

p 


c 
o 

to 

^8 

CO 

ecS 


u 
<u 

Oh 
— t 

o 

«<H 

o 

CO 

o 
H 


• 

■ 

o 

«9 

3 

(H 

o 



XXXVI 



STATISTICAL TABLES. 







C 




o 


OS 


I-H 


4* 


CN 


CO 




»Ti 


CM 


■— 1 


iO 


o 


r>. 


r>. 


-D 








CN 


CO 


o 


t^ 


o 


CN 




CO 


t- 


o 


CO 


■— ' 


• _ . 


cc 










O 

■a 




CO 


ao 


co 


co 


00 


OS 




«— 1 


o 


CN 


•o 


^J 


c 


M 


to 


09 
55 






CO 


l-H 


co 


CN 


1-H 


CN 




o 


CO 


o 


1-H 


kO 


CO 


CO 


99 


o 










































































K 








co 


o 


CN 


4* 


t^ 


OS 




r^ 


OS 


•««« 


co 


% 


CO 


■^ 


sc 








co 


CN 


co 


© 


CO 


GO 




o 


r» 


r^ 


CM 


T 


CD 




o 

•< 










•o 


00 


U3 


00 


00 




CO 


00 


CD^ 


t» 


t^. 


■N 


CO 


CO 




■4J 


































o 




s 




t^. 


t-1 


o 


»3 


■«* 


o 




CM 


cT 






CO 


00 


1 - 




H 




s 




•4H 


CM 


CN 


Oi 


CN 


CN 




-«r 


s 


■HJ< 


1 - 




— 


~> 


T4 


M 




o 




•-— 


os 


CO 


CO 


■«*< 


CN 




>c 


00^ 


© 






CD 


s. 


CI 


o 
3 




8 






































o 


l-H 


t— 


CO 


CN 


CO 




•>*< 


1-H 


co 


CD 


CN 


CO 


4* 


co" 




<J 




v» 










CM 




CM 




CO 


CO 


I— 1 






^H 




















•» 




•» 




















4m* 




o 


00 


1-H 


CO 


CN 


CO 




CO 


«Q 


CM 


CO 


o 


— 


CO 


pg 






s 




CN 


r- 


•** 


CO 


CO 


o 




CO 


1-H 


o 


CM 


CN 


CO 


l>- 




a 




o 




•*f 


O 


t-4. 


OS 


t^ 


«c 




co 


CO 


l~» 


CN 


X 


CO 


— 


- 


4 




1* 






kO) 


CO 


T»< 


«-- 


•«»» 




CM 




Tl 


o 


c-< 


CO 


CJ 


CTJ 


00 . 




C- 








































os 


r» 


4* 


OS 


Tt< 


CO 




t-^ 


co 


OS 


os 


CO 


■3 


CO 


o 


3 5 










»>» 




CN 


■«" 


30 






OS 


■4»> 


o 


4* 


— 


•o 


co 


-X p 








CM 


r»- 


°i. 


OS 


CO 


■<t" 




CO 


CM 


OS 






CD_ 


-J" 


co^ 


H ™ H 




4-» 


































«» 








CD 


co 


of 


CO 


CN 


-* 




CO 


CM 


OS 


t- 




o 


cm" 


ocT 








»o 


T 1 


o 


CO 


iO 


co 




1-H 


OS 


CO 


00 


00 


>?* 


Dl 


••»> 


M 




o 




I— 1 


00 


cq^ 


CO 


l>- 


r*» 




•o 


T 


I-H 




CD 


CO 




C5\ 






a 


































H 






i—< 


•a 


t^r 


CO 


l>. 


■9 




CM 




r— 


co 


CO 


CO 


co" 


cT 


O 




-« 




t» 






1— 1 




CO 




<A« 




l-H 


CN 

l-H 








•-H 






«j 




o 




CO 


t^ 


1-H 


oo 




CO 






ao 




t 


r>- 


OS 


ao 

a 




3 




co 


1 


CO 


co 


Tf 


CO 




o 


1 


1 


co 


1 


1^ 


ao 


■»*• 


25 






I-H 






CN 


1-H 


1-H 




CO 










CO 






O 




h 


































CO 











































































M 
H 

<: 








o 




o 





o 


»o 




o 










t-- 


oc 


~. 








o 




o 


t^ 


o 


CN 




p 






t^. 






V. 


ao 








TJ» 




CN 


CO 


o 


o 




o 






r-» 




00 


o 


00 
























1 


1 




1 








CO 




a 




t* 


1 


00 


OS 


o 


CM 




OS 






CD 




cr. 


OS 


r>- 






3 




CO 




CN 


CO 


OS 


OS 




CO 






ao 




CO 


CM 


l>- 


o 




O 




i— i 




I-H 


CO 


•-H 


co^ 




49^ 






30 




CO 


1-Hj 


^H 


Ed 

(4 




a 




fl» 










1-H 




1-H 
















2 




«J 














■» 




•» 



























































«j 




o 


OS 


CO 


OS 


CO 


o 




00 


CM 


r. 


o 


r^ 




OS 


.-. 






c 

8 




1— 1 


i— 1 


00 


o 


CO 


o 




o 


CO 


— 


1— 


CO 


o 


4«« 


I-H 






O 




t>- 


««> 


CN 


00 


1-H 


CO 




I-H 


o 


lO 


t-» 


OS 


r— 


K 


CO 


s 










i— l 






l-H 








1-H 


l-H 


r ~ 




~ 


CM 


Dl 


•1 




Cm 






































































H 








r^. 


o 


t— 


OS 


o 


CO 




1—4 


CO 


kS 


© 


— 


^H 


•D 


4* 


K 








cm 


o 


CO 


00 


CO 


o 




00 


o 




t~- 


OS 


o 


o 


CO 








CM 


o 


CO 


L~ 


o 


«• 




co 


CD 




CM 


1-1 


OS 


p^ 


o^ 








































M 




c 




of 


co" 


CO 


00 


xa 


»o 




I-H 


•»*" 


o 


CO 


o 


3C 


^H 


o" 


< 




s 




t-- 


oo 


l>- 


t^ 


CO 


ao 




I-H 




— 




CN 


~. 


«o 


r^ 


— 




o 




•o 


T«« 


•o 


1-4 


»-~ 


CO 




•o 


CO 


00^ 


«» 


CS L 


QO 


C3\ 


^1 






a 




۩= 


I— 1 




of 


1-H 


co" 

■1 




m 




of 


cT 


ef 


1-H 


co" 


00 










CO 


o 


l>- 


CO 


o 


CO 




r^ 


00 


CM 


CM 


o 


-# 


CM 


o 










00 


CO 


■4H 


CO 


OS 


00 




C-. 


o 


■«J< 


CD 


t— 


CO 


D. 


00 




■ 






CD 


CO 


co_ 


1-H 


co^ 


Tl 




00 


co 


o 


«Q 


o 


•3 


I>- 


r>- 










































■ 






■^ 


of 


cm" 


OS 


iQ 


5* 




1-H 


00 


o 


gh 


c-. 


t>- 


co 


co 




■ 






■"*! 


00 


4* 


co 


to 


CO 




CM 


^> 


•41" 


o 


00 


CD 




=c 




< 








-«*< 


CO 


°1 


TJ« 


co^ 




»o 


o 


•o 


t^ 


-.D 


OS 


— 


o 








































31 

33 






CO 


o" 


o 


CO* 


ccf 


os~ 




t^ 


CO 


CO 




co 


OS 


■**< 


CD 








۩= 


l-H 


CN 


CN 


1-H 


t— 




■4J" 




CD 


co 


CM 




1-H 


CO 




C 

la 
















m 




s» 






CM 


































































00 
























00 














a 
























W 














H 






































< 




















I 




Z 














H 




















h 




< 














CO 




















z 




- 


































< 




a 














- 
a 




















- 




o 
































a 




o 














Urn 




















3 
U 




EC 






*3 

3 

-4-» 


"3 






6 




















fn 




H 


• 


• 


g 


• 


' 


a 


• 


"3 


"3 

3 
— 
3 

a 
















< 




a 

SQ 

P 

s 

o 

•< 


• 


J* 

o 


s 

a 

00 

4-> 
— 

CO 


3 

a 

c 


"3 


• 


o 

CO 

a 

2 

<; 


• 


— 

3 

a 

4-> 














A 




oo 


_ 


o 


00 


ei 


9 


tn" 




3 


3 


n 


n 




c" 








00 


© 


c 


= 


"3o 

c 

CO 


— 


^-» 




ZJ 


CJ 








s 


—* 








-4 
2 


TZ 
co 

« 


c3 

K 

a 

— 
o 


JO. 

CJ 

si 

00 
CO 

- 


CO 

- 

— 
CO 


"3 
o 
H 


s 
o 
o 


c 

— 


— 

a 

CD 

a 
c 
o 
o 


CJ 

= 

3 

o 

o 


— 

s 

5 
^ 


.3 

o 
o 

o 


£ 

o 

— 


— 


a 


"5 

D, 

o 

it 
— 
CO 

a 



STATISTICAL TABLES. 



XXXVll 



ft OS 




1^ 


fN 


CM 


iO 


t» 


CM 


CO 




© 


t^ 






CO 


co 


CM 


cs 


"a* 


1— 1 






OS 


CO 


© 


CO 



09 
33 






OS 



© 

CD 


*o 


CM 


SO 



?o -^ i— < t— i 



© 

o 

09 



os 



o 



r— 

os 

© 



BO 

cm" 



OS 

DO 

~r 
00 

IO 



CM 

© 



© 

— 
— 



-.O 
09 



o 

o 



CO 



e© 
o? 



CO cs 

CO OS 

to IO 

O CM 




CO I-H 1-1 



CO 

I— I 

CM 



© 
kQ 



o 


© 


© 


© 


© 


«o 






oo 


tO 




l-H 


© 


© 


iO 


-)< 


© 


© 


00 


t-- 


© 


© 


CM 






© 


CM 




CO 


i>- 


•o 


«- 


© 


00 


OS 


CM 


CO 


© 


to 


© 






CM 


© 




© 


CM 


CM 


oo 


© 


-+l 




































T»« 


»o 


t-- 


CO 


CM 


© 






r^ 


CM 




-* 


•O 


© 


tO 


»o 


00 


to 


T*< 


to 


CM 


Tf 


»c 






CM 


fH 




r~- 


GO 


to 


oo 


CM 


l-H 


QO 


CO 


CM 


co 


T»» 


CM 






I-H 


l-H 




CO 


CM 






tO 


CO 




































l-H 






** 


CM 






















eo 


l-H 


rf 


tv. 


to 


© 


© 


i _ l 


_, 


-* 


© 


CM 


© 




« 


CM 


"* 


IQ 


^^ 


•O 


•■" 


CN 


T 


OO 


© 


"* 


f— i 


■* 


•O 


IO 


Tt< 


CM 


"* 


CM 


eo 


CM 


00 


Tf 


© 


CO 


CM 


© 


© 
i— i 


r>- 


l-H 


CM 

l-H 


© 

l-H 


CO 


l-H 


© 


© 

l-H 


© 
i— i 


© 

l-H 


■o 


GO 


© 


© 


CM 


_ 


© 


00 


t"- 


«o 


tO 


© 


t» 


© 


© 


o 


00 


o 


•»»• 


© 


© 


© 


CM 


CM 


-«f 


■* 


T« 


© 


00 


CO 


© 


iO 


•o 


tO 


'9- 


© 


© 


© 


00 


© 


00 


CM 


t— 


© 


"<*< 


l-H 


to 


CM 


© 


© 


■f 




































oo 


"* 


© 




© 


iO 




Tf 


© 


>* 


•«*« 


© 


eo 


GO 


■«*« 


© 


•^ 




«o 


© 


© 


oo 


i— » 


»o 


iO 


CM 




os 


CO 


l-H 


CO 


to 


GO 


r^ 


© 


© 


CO 


© 


© 


CM 


l-H 


T»« 


CO 


© 


© 


© 


00 


"*" 


CO 


rf 


00 




































1"— 1 


CM 


T— ( 


© 


CM 


CM 


l-H 


CM 




CO 


l-H 








CM 


GC 


■f 


CM 






i—i 
























CM 

f-H 


CO 


CO 


© 


CM 


© 


r-» 


t» 


mtl 


© 


t^ 


© 


CM 


tQ 


■**< 


eo 


© 


. 


r» 


CO 


r^- 


© 


t^ 


CO 


eo 


© 


co 


•>* 


CO 


CO 


CO 


00 


© 




© 


t>- 


CO 


•—• 


© 


© 


CO 


l-H 


00 


■^ 


© 


eo 


•V 


l-H 




© 


© 


l-H 


© 




































iO 


CO 


CO 


© 


<* 


© 


CM 


IO 


^ 


© 


l-H 


t^- 


00 


-+< 


CM 


© 


© 


© 


l-H 




© 


CO 


■f 


CO 


© 


•o 


oo 


© 


r^ 


© 


© 


© 


© 


|N. 


CO 


© 


00 


CM 


CM 


© 


© 


CO 


CM 


© 


© 


•*« 


CM 


CO 


•*»" 


00 






































CO 


CO 


T* 


8 


CO 


CM 


F— 


"H. 


CM 


■»r 


00 


00 


r>- 


t>- 


•** 


© 


© 


«o 


© 


t-4 


© 


CO 


l-H 


eo 




CM 


l-H 


l-H 






l-H 


T 


CM 


CM 






CM 


l-H 






















°1 


co_ 
































aT 


































a> 












~ 






B 
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XXX VIII 



STATISTICAL TABLES. 



T3 
cy 

3 

a 
o 
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w 











oo 


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CM 


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CO 


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a 




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CO 




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b 

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CO 


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03 



STATISTICAL TABLES. 



XXXIX 



IM 


■* 


CO 


O 


*#< 


CO 


CO 


CO 


•-H 


t^ 


l-~ 


CM 


h- 


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id 


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oo 


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CO 


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CO 


CO 


l>i 


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r-H 


CO 


CO 




00 


rf 


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CO 


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CO 


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ia 


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co 


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r-H 


1— t 


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l-H 


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l-H 


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IS 


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CB 

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3 
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xl 



STATISTICAL TABLES. 






V 


sz 


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M 


> 


o 

o 


Q 


X 



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STATISTICAL TABLES. 



xlvii 



co 


CO 


i— i 


CS 


o 


ta 


o 


fr- 


CS 


CO 


OO 


CO 


O 


■* 


ta 


CO 


ta 


CO 


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CO 


CD 


CO 


CN 


OO 


CM 


r~- 


CO 


co 


CM 


CO 


CO 


l-H 


■»*< 


h- 


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co 


cs 


CN 


"*! 


CO 


co. 


CO, 


CS, 


OS 


CO 


ta 


o 


t>- 


CO 


CO 


CN 


CO 


CO 


CO 


CM 


t>- 


t^. 








































CO 


CO 


of 


CO 


CO 


o 




CO 


l-H 


■* 


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CO 


CN 


i>. 


CO 


CO 


CM 


CD 


fr» 


ta 


CM 


o 


I—I 


CO 


CM 


CO 


r^ 


CM 


ta 


CO 


1** 


QO 




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cs 


CD 


CO 


co 




i—i 


co. 


CO 


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O 


CO, 


CO 


CO, 


CO 


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OS 


cs 


CO 


«o 


CO 








































CO 


OS 


irf 


CO 


CO 


rC 


co 


!>. 


CO 


co" 


1*1 


cs" 


l-H 


CO 


OS 


r» 


O 


CO 


CO 


ta 


CO 


co 

CS 


co 

CN 


fr- 


CO 


l-H 


l-H 


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i—i 

l-H 


CO 


lO 


o 


o 

l-H 


CO 


CO 


ta 


o 
co^ 
I* 


CO 

r-H 

ta 

0» 


CN 


cs 


CN 


CO 


_, 


CO 


CM 


l-H 


CS 


CO 


OS 


CO 


o 


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CO 


CO 


CM 


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co 


CM 


ta 


CO 


1— 1 


co 


CM 


CN 


CO 


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CO 


cs 


CO 


o 


■* 


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fr- 


CD, 


r>- 


CO 


OS 


T 


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CN 


CD 


rjn 


ta 


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fr- 


CO 


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CO 








































ta 


CM 


<n" 


CN 


co 


CM 


CO 


CS 


CO 


OO 


r» 


CN 


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CO 


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h- 


CO 






CN 


CO 


CO 


OS 


CO 


CO 
CO 


1—1 


o 


CN 


CO 


CN 


lO 


CO 


ta 


CN 


l-H 


CN 


ta 

OS, 

l-H 


OS 

o 

CN 


ta 


ta 


o 




CS 


t-» 


l-H 


t>. 


CO 


CM 


O 


CO 


CO 


OS 


CO 


CO 


00 


TH 


o 


r— 


i— i 


t>» 


CO 


rf< 


r-» 


•*»< 


CS 


CM 


OO 


CO 


CS 


■»t» 


CM 


CM 


fr- 


CO 




CO 


cs 


o 


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co^ 


CO 


CM 


ta 


CO 


CN 


•*J" 


CO 


t-» 


Cs 




o 


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CO 


CO 


CS 








































CO 


CO 


i— i 


r>T 


CO 


Tjl 


CO 


co" 


■*W 


© 


CS 


CO 


CO 


OS 


CO 


Tf 


CO 


O 


co 


o 


CO 


t-» 


o 


CO 


o 




fr- 


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CM 


co 




ta 


o 


rji 


CO 


CO 


kO 


ta 


CD, 


t— 




CN 


CS, 


CO 


CO 


CD, 


r^ 


CS 


CO 


CO 


OO 


CM 


ta 


fr- 


■*r 








































i— I 
1 


CO 


i— i 


CX> 


Tt< 


o 


co" 

CM 


IO 
f— 1 


e© 


to 


■* 


l-H 


CO 


CM 

r-H 


l-H 




i—i 


oo 
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CM 

9^ 


ta 

CM 


CO 


«* 


t>» 


OS 


OS 


co 


fr- 


ta 


CO 


to 


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CO 


ta 


ta 


o 


r-H 


CO 


CO 


CO 


o 


CO 


CO 


ta 


CO 


fr» 


■** 


■** 


CO 


CO 


t~~ 


h* 


Cs 


CM 


CO 


CN 




-+l 


CO 


1— 1 


© 


CO 


t~ 


CM 


I—I 


© 


CO, 


CN^ 


CO 


CN 


fr- 


Tj< 


CO 


o 


CN 


CS 


o 


GO 










































t>r 


ta 
i—i 


■** 


CN 


CO 
CO 


co" 

l-H 


ta 


CN 


CN 


l-H 


CD 

l-H 


l-H 


o 


CN 






CO 

f-H 


CD 

l-H 


CO 


o 


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ta 


f- 


CM 


CN 


CO 


i—i 


CS 


CS 


ta 


CO 


ta 


«o 


CN 


ta 


CO 


CO 


co 


CO 


OS 


CM 


•— 


■^ 


ta 


o 


CO 


■"*" 


l-H 


o 


CM 


OS 


■*r 


Cs 


l-H 


•* 


co 


CO 


-* 


CS 


ta 


CO 


CO 


© 


•a 


t^ 


°1 


l-H 


o 


ta 


l-H 


rf 


CO, 


CO 


CO 


CO 








































CO 


o 


o 


IO 


Tfl 


Cs 


t»< 


CN 


CO* 


t^r 


CO 


CO 


ta 


OO 


OS 


t-T 


■«*• 


fr» 


o 


CO 


■>* 


co 


CO 


CO 


ta 


t-~ 


CO 


CD 


»— i 


CO 


o 


CO 


o 


CM 


r>- 


cs 


1— t 


o 


fr- 


ta 


OS 


CO 


CD 


CO 


CN 


CM 


CS 


QO 


th 


CD 


CO 


CO 


CO, 


OS 


fr- 


o 


o 








































CS 


CO 


CN 


lO 


OS 


r^ 


CN 


CS 


l-~ 


CO 


o 


CO 


CM 


CO 


fr-T 


CO 


fr- 


cs 








CM 


CM 




CO 


CO 


l-H 






CN 


l-H 


l-H 


CN 








oo 


CO 






l-H 
































CO 


o 


ta 


•^ 


o 


CM 


■*J» 


OS 


CO 


CN 


CD 


CM 


CD 


l-H 


CO 


cs 


ta 


•«* 


h- 


CO 


o 


CO 


t~ 


OS 


CD 


CO 


CO 


CO 


CO 


■<*< 


ta 


CM 


CN 


fr- 


-* 


CO 




CS 


oo 


CO 


CO 


r-— 


CO 


CD 


CM 


CO 


^1 


CM 


CO 


CN, 


CM 


CO 


l-H 


■^ 


CO 


o. 


t>- 


fr- 








































CO 


CO 


i— ■ 


o 

l-H 


•*ri 


CO 


CN 

i—l 


r>. 


-* 


CN 


t>T 


CM 

l-H 


■* 


o 

l-H 


Tf 


CN 


■^ 


oo 

CM 
CN 


CN 


CO 


o 


•—• 


CO 


CO 


CS 


CO 


CO 


CS 


tm0t 


T* 


CO 


OS 


-* 


i-H 


o 


CO 


o 


CO 


o 


fr- 


CO 


oo 


CO 


r— 


CS 


ta 


CO 


CO 


o 


CS 


CO 


CM 


r— 


I-— 


ta 


CO 


CO 


CD 


Cs 


^ 


l-H 




co 


ta 


CN 


CS 


t— 


CO 


fr- 


* 


CO 


OS, 


■«* 


CS 


°1 


CM 








































CN 


CO 


CN 


CO 


CO 


CO 


t>- 




o 


t~- 


CN 




•<*! 


r^ 


«o 


CM 


CN 


oo" 


•»+! 


CO 


IN 


CO 


•*fl 


r-. 


CO 


00 


CO 


t^. 


l-H 


t^- 


co 


CN 


CM 


CO 


OO 


-* 


l~» 


CO 


CM 




CD 


l-H 


CO 


ta 


l-H 


CO 


r^ 


^ 


i— i 


ta 


ta 


OS 




l-H 


co^ 


t— 


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r» 


O 


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CO 


t-» 


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CM 


l-H 


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t-H 


CD 


ta 


cs 


f- 


cT 


fr- 


CN 




1— 1 


ft 


CO 


l-H 


co 

l-H 


CO 


CO 


l-H 


l-H 


CN 


CO 


i—i 


CO 








i-H 

oo 


CO 
CO 


CO 


OS 


1—1 


CS 


r-H 


fr- 


CO 


:o 


O 


_, 


CO 


CN 


CO 


CO 


OS 


CD 


CM 


ta 


CN 




cs 


■*H 


■* 


CO 


o 


CO 


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t^ 


CO 


CM 


o 




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ta 


CO 


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CM 


CO 


CO 


CD 


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CS 


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OS 


CO 


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l-H 


ira 


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CO, 


CO 


ta 


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CO 








































CO 


CO 


fr- 


»o 


co 


TT 


ta 


CN 


CO 


ta 


CO 


CS 


M5 


o 


CO 


co~ 


Tf 


>rT 


CN 




I— 1 


1C5 


l-H 




CO 


CN 


l-H 








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l-H 








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CO 


CS 
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■— 
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n 


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CO 














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CO* 








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o 
a 

a> 

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o 
o 

CO 

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— 
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c 

OS 

■*-> 

2 


s 

03 
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o 

c 
as 
CQ 

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3 


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co 


3 

3 

CO 

is 


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a 




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CO 

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a 

cu 

T3 




CO 
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c 

CO 

o 

a 
o 

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P 


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3 
«-> 
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s 

3 

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a> 

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CO 
t3 


a 
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to 

a 


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3 
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s 
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w 
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Ph 


CO 

3 

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p 


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H 


O 



xlviii 



STATISTICAL TABLES. 



H 
Cu 

W 

o 

X 
w 

H 

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fa 



o 



Q 



c 
o 
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s 






J 


o 


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s 


fc 


Tj 


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P 



MASSACHUSETTS 

LIFE INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1897. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD. 

[Incorporated May, 1851. Commenced business Sept. 4, 1851.] 
Paid-up Capital, $25,500. 

William R. Plunkett, President. James W. Hull, Secretary. 



Income. 

Received for premiums on new policies, .... 
Received for renewal premiums, ....'. 
Dividends applied to purchase paid-up additions and annuities 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 

for rents of company's property 
for reinsurance, . 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



$185,844 55 

1,315,167 13 

298,929 69 



.,799,941 37 
19,816 95 



.,780,124 42 

319,707 59 

22,690 34 

6,039 14 



$2,128,561 49 
7,223,644 23 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Premium notes or loans voided by lapse, 
Cash dividends applied to purchase paid-up additions and an- 
nuities, 

Surrender values paid in cash, 

Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poll 

cies, $105,349.60; renewals, $93,276.28), . 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees, 
for taxes on new premiums, $1,533.32 ; on renew- 
als, $10,781.81, 



1,352,205 72 



$453,646 00 
50,239 00 



$503,885 00 
3,387 96 

298,929 69 
354,149 60 



$1,160,352 25 
1,785 00 

198,625 88 
33,573 03 
14,502 00 
42,741 90 

12,315 13 



BERKSHIRE LIFE INSURANCE COMPANY. 



Cash paid for taxes on reserves, 

for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 

On account depreciation, 



Total disbursements, . 



Balance, 



2 96 
6,165 14 

1 5,207 12 

19,619 76 

361 52 

1,003 69 

2,265 33 

12,932 47 

00 



11,541,341 65 



£7,810,864 07 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, 
Cash deposited in bank, 
Bills receivable, 
Agents' debit balances, 
Agents 1 personal loans, 



Total, . 
Deduct credit balances, 



Total net or ledger assets, as per balance, 



$578,226 88 

5,147,165 89 

315,959 11 

108,781 93 

1,236,872 04 

6,543 33 

403,980 59 

1,250 00 

16,552 26 

15.329 25 



£7,825,661 28 
14,797 21 



$7,810,864 07 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over cost, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, .... 



Total, 

Deduct loading (20 per cent.),. 

Xet amount of uncollected and 
deferred premiums, 



Renewals. 

$25,080 12 $40,551 84 
28,818 90 128,143 97 



$53,899 02 $168,695 81 
10,779 80 33,739 16 



$43,119 22 $134,956 65 



135,127 73 
53,747 14 



178,075 87 



Total assets, per company's books, . 



$,177,814 (51 



BERKSHIRE LIFE INSURANCE COMPANY. 



Items not admitted. 



Agents' debit balances, 
Loans on personal security, 
Bills receivable, 

Total, .... 

Total admitted assets, 



$16,552 26 

15,329 25 

1,250 00 



$33,131 51 



. $8,144,683 30 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . 
Deduct net value of reinsured risks, 



Net reserve, 

Matured endowments due and unpaid, . . $66 73 

Death losses in process of adjustment, . . 28,671 00 

Total policy claims, 

Unpaid dividends of surplus due policy holders, 

Premiums paid in advance, 

Liabilities as to policy holders, 

Surplus as regards policy holders, . . . $774,041 07 
Paid-up capital, . ......... 

Surplus over capital, 



$7,435,560 00 
103,274 00 

$7,332,286 00 



Gross liabilities, 



28,737 73 

285 57 

9,332 93 

$7,370,642 23 

25,500 00 
748,541 07 

$8,144,683 30 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, . 
Premium notes rec'd during 1897 (old policies), 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrender policies, 
Voided by lapse, .... 
Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1897, 



$103,319 44 
15,517 47 

$4,625 76 

946 67 

3,387 96 

6,094 59 



$118,836 91 



15,054 98 



$103,781 93 



Exhibit of Policies. 



Policies and Additions in Force Dec. 31, 1896. 




Number. Amount. Total No. Total Amount. 


Whole life, 


. 13,900 $35,476,767 00 


Endowment, 


. 2,731 6,595,860 00 


All other, . 


75 145,700 00 


Reversionary additions, 


1,050,108 00 

1fi 7flG «19 OfiQ IQr; 



BERKSHIRE LIFE INSURANCE COMPANY. 



Whole life, 
Endowment, 



Policies issued during the Year. 

Number. Amount. Total No. Total Amount. 

. 2,444 $5,942,850 00 
290 680,000 00 
2,734 $6,622,850 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 

Total, . 



Old Policies revived. 



146 

13 

2 



$194,360 00 
6,84:0 00 
3,000 00 



161 



204,200 00 
639,369 00 



19,601 $50,734,854 00 



Whole life, 
Endowment, 
All other, . 



By death, . 
maturity, 
expiry, 
surrender, 
lapse, . 

Not taken, . 



Policies terminated during the Year. 
. 1,798 $4,127,028 00 



250 


573,740 00 


15 


495,565 00 


2,063 


$5,196,333 00 


How terminated. 


153 


$439,906 00 


27 


48,843 00 


11 


20,700 00 


485 


1,519,204 00 


893 


2,098,430 00 


494 


1,069,250 00 



2,063 5,196,333 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Bee. 31, 1897. 
. 14,692 $37,486,949 00 
. 2,784 6,708,960 00 
62 118,500 00 

1,224,112 00 



17,538 45,538,521 00 



10 shares Pittsfield Coal Gas Co., . 



Schedule A. 
Securities held as Collateral. 

Market Value. 

$1,750 00 



12 " Pittsfield National Bank, . . 1,800 00 

27 " Boston & Albany R.R. Co., . . 5,886 00 

75 " Third National Bank of Pittsfield, 15,000 00 

27 " Boston & Albany R R. Co., . . 5,886 00 

16 " Stockbridge & Pittsfield li. R. Co., 2,400 00 



} 



Loaned Thereon. 

$700 00 
1,134 11 
2,700 00 

16,000 00 



BERKSHIRE LIFE INSURANCE COMPANY. 



7 shares Pontoosuc Woolen M'f'g Co , 
122 " Massasoit Paper Co., 
50 " Third National Bank of Pittsfield 
10 " Springfield Gas Light Co., . 

32 " Pittsfield Coal Gas Co , . 

5 " Merchants' Nat'l Bank of Boston, 
3 " Western Nat'l Bank of New York 

12 " Pittsfield National Bank, 
20 " Millerton National Bank, 

13 " N'l Mahaiwe B'k,Great Barrington 
12 " Stockbridge & Pittsfield R.R. Co. 
54 " Boston & Albany R.R. Co., . 

500 " Jackson, Lansing & Sag R.R. Co. 

Life insurance policies, cash value, . 
30 shares Agricultural Natl Bank, Pittsfield 
20 " Commercial N'l B'k, Chicago, 111. 
10 " Third National Bank, Pittsfield, 
10 " Agricultural Nat'l Bank, Pittsfield 
10 " Pittsfield Coal Gas Co., . 
7 " Pittsfield National Bank, 
20 " Pittsfield National Bank, 

383 " Smith Paper Co. of Lee, 

Town of Ancram, N. Y., bond, . 

Indianapolis & St. Louis R.R bonds, 

Rio Grande Western R.R. bonds, 

Wisconsin Central R.R. bonds, 

Pittsburgh, Fort Wayne & Chicago R.R. bonds 

Milwaukee & Lake Winnebago R.R. bonds, 

Territory of Arizona bonds, 
75 shares American Telegraph Cable Co , 
23 " Pittsfield Electric Street R'y Co., 

100 " Pittsfield Electric Co., . 
22 " Pullman's Palace Car Co., . 
10 " Mercantile Trust Co., N. Y. City, 
35 " Adams Express Co., 

9 " Boston & Albany R.R. Co., . 
50 " N. E. Telegraph & Telephone Co. 

33 " Boston & Albany R.R. Co., . 

5 " Agricultural Nat'l Bank, Pittsfield 
10 " Third National Bank, Pittsfield, 

3 " Pittsfield Coal Gas Co., . 

10 " Lenox National Bank, Lenox, 

4 " Agricultural Nat'l Bank, Pittsfield 
St. Louis & Iron Mountain bonds, . 

355 shares Boston & Maine R.R. Co., 
40 " Boston & Maine R.R. Co., . 
4C0 " Wor., Nashua & Roch. R.R. Co., 



Market Value. 

$10,500 00 
15,860 00 
10,000 00^ 
1,400 00 | 
5,600 00 J> 
750 00 I 
330 00 J 
1,800 00 
2,000 00 
1,950 00 
1,800 00 
11,772 00 
40,000 00 
2,465 33 
7,500 00 
5,000 00 
2,000 00 
2,500 00 
1,750 00 
1,050 00 
3,000 00 
38,300 00 
1,200 00 
8.400 00 1 
4,100 00 
1,320 00 
9,450 00 
6,000 00 > 
5,000 00 
6,862 50 
2,300 00 
10,000 00 J 
3,740 00 
4,500 00 
5,250 00 
1,962 00 
6,250 00 ) 
7,194 00 S 
1,250 00 >| 
2,000 00 ' 

525 00 

1,400 00 J 

1,000 00 

31,820 00 

59,640 00 

6,720 00 ) 
48,800 00 S 



Loaned Thereon. 

$2,500 00 
13,200 00 



7,800 00 



1,200 00 
1,800 00 

3,000 00 

7,625 00 

35,000 00 

10,000 00 

1,500 00 
650 00 

2,500 00 

2,000 00 

18,000 00 

1,000 00 



45,000 00 



2,000 00 
4,000 00 

3,300 00 
7,500 00 

4,500 00 

350 00 
25,000 00 
50,000 00 

46,000 00 



$436,732 83 $315,959 11 



8 



BERKSHIRE LIFE INSURANCE COMPANY. 



Schedule B. 
Slocks and Bonds owned by the Company. 



252 shares Pittsfield National Bank, 
300 " Agricultural National Bank, 
250 " Adams National Bank, . 
1,200 " Commercial Union Telegraph Co 
121 " Berkshire R.R. Co., 
185 " Stockbridge & Pittsfield R R , 
220 " New York Central & H. R. R.R., 
200 " Chicago & Northwestern R.R., 
100 " Lake Shore & Mich. Southern R.R, 
100 " Pullman's Palace Car Co., . 
114 " Northwestern Tel. Co., . 
100 " J)elaware & Hudson Canal Co., 
100 " Central R.R. Co. of New Jersey, 
United States bonds, .... 

New York & New England R.R. bonds, . 
St. Louis & Iron xMountain R.R. bonds, . 
N. Y. Central & Hudson River R.R. bonds, 
Pittsfield Fire District bonds, . 
Hinsdale Fire District bonds, . 
Readsboro Fire District bonds, 
Burlington & Missouri River R.R. bonds, 
Michigan Central R.R. bonds, . 
Chicago & Western Indiana R.R. bonds, . 
Chicago, Burlington & Quincy R.R bonds, 
Louisiana & Missouri River R R. bonds, . 
Iowa Falls & Sioux City R.R. bonds, 
West Indianapolis bonds, .... 
New York & New Jersey Tel. bonds, 
Pittsfield Electric Street R.R. bonds, 
Chicago, Wisconsin & Minnesota R.R bonds 
Chesapeake & Ohio R.R bonds, 
N. Y., Susquehanna & Western R.R bonds, 
Kan. City, St. Joseph & Council Bluffs R.R. b"ds 
Lincoln & Northwestern R.R. bonds, 
Atchison & Nebraska R.R. bonds, . 
N. Y., Ontario & Western R.R. bonds, . 
Cincinnati, Hamilton & Dayton R.R. bonds, 
City of Omaha bonds, .... 
Wilmar & Sioux Falls R.R. bonds, . 
City of Marietta, Ohio, electric light bonds, 
Cincinnati, Dayton & Ironton R.R bonds, 
Richmond & Danville R.R. bonds, . 
Pine Creek R.R bonds, .... 
Pennsylvania & N. Y. Canal & R.R. bonds, 
Pittsburg & Lake Erie R.R. bonds, . 



Cost Value. 

$36,571 00 
60,000 00 

31,250 00 

28,450 00 

13,915 00 
21,275 00 
22,550 00 
20,959 00 
13,300 00 
15,850 00 

5,976 50 
12,600 00 

9,900 00 
128,720 25 
38,200 00 
10,000 00 
31,500 00 
52,500 00 
30,000 00 

9,000 00 
30,057 00 
10,927 50 
10,700 00 
10,775 00 
10,465 00 

9,595 00 
19,625 00 
25,890 61 
15,000 00 

9,000 00 
27,078 95 
10,150 00 
23,400 00 

9,740 00 

8,416 25 

9,681 10 
20,975 00 

3,038 62 
21,175 00 
12,975 00 
27,718 75 

3,621 51 
68,500 00 
31,800 00 
29,250 00 



Market Valne. 

«37,800 00 
75,000 00 
30,000 00 
33,000 00 
18,150 00 
27,750 00 
23,100 00 
24,000 00 
17,000 00 
17,000 00 

5,985 00 
11,100 00 

9,600 00 
131,400 00 
41,300 00 
10,500 00 
32,445 00 
52,500 00 
30,000 00 

9,000 00 
31,624 00 
11,200 00 
11,800 00 
11,500 00 
10,465 00 

9,920 00 
20,160 00 
27,000 00 
15,000 00 
10,000 00 
27,078 95 
10,150 00 
23,400 00 

9,740 CO 

8,416 25 

9,681 10 
20,975 00 

3,038 62 
21,175 00 
12,975 00 
27,718 75 

3,621 51 
68,500 00 
31,800 00 
29,250 00 



JOHN HANCOCK MUTUAL LIFE INSUEANCE COMPANY. 



9 



Maine Central R.R. loan, . 
Berkshire County loan, 
Dalton Fire District bonds, 
Town of Dalton loan, 
Town of Lanesborough loan, 
City of Pittsfield loan, . 
Town of Cheshire loan, . 



Cost Value. 

§50,000 00 
35,000 00 
27,000 00 
20,100 00 

2,000 00 
47,000 00 

3,700 00 



Market Value. 

$50,000 00 
35,000 00 
27,000 00 
20,100 00 
2,000 00 
47,000 00 
3,700 00 



81,236,872 04 81,290,619 18 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H. Rhodes, President. Roland O. Lamb, Secretary. 

Principal Office, 1 78 Devonshire Street. 



Income. 

Received for premiums on new policies (regular), 
for renewal premiums (regular), 

for industrial premiums, 

Dividends applied to pay running premiums (regular), 

to pay running premiums (industrial), 

to purchase paid-up additions and annuities, 

Surrender values applied to purchase paid-up insurance and 

annuities, 



8305,003 28 

785,001 99 

4,452,663 09 

129,616 10 

89,883 01 

15,691 90 

2,033 07 



Total, 

Deduct amount paid for reinsurance, 



$5,779,892 44 
6,748 26 



Total premium income, 85,773,144 18 



Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, 

Premium notes or loans restored, . 

Agents' deposits, 

Incidentals, 



356,543 01 

773 58 

106,563 54 

758 69 

47 04 

1,664 36 

787 90 



Total income, 86,240,282 30 

Net or ledger assets Dec. 31, 1896, 8,478,626 40 



Total, 



814,718,908 70 



10 JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Disbursements. 
Paid for losses and additions,* . . . . 
Paid for matured endowments and additions, . 



$1,684,027 26 
53,934 37 



Gross amount paid for losses and endowments, . . $ 

Paid to annuitants, 

Premium notes or loans voided by lapse, .... 

Cash dividends paid policy holders, 

applied to pay running premiums (regular), 
applied to pay running premiums (industrial), 
applied to purcha-e paid-up additions and an- 
nuities, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 

Total paid policy holders, 

Cash paid for commissions and bonuses to agents, . 

for salaries and allowances to managers and agents 

for medical examiner's fees, .... 

for salaries of officers and home office employees, 

for taxes on premiums, 

for taxes on reserves, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, . 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes),. 

for loss on sales of property, .... 

for incidentals, 

i On account depreciation, 



1,737,961 63 

1,088 63 

2,463 75 

2,100 12 

129,616 10 

89,883 01 

15,691 90 

192,716 46 

2,033 07 



$2,173,544 67 
1,416,168 11 

495,145 24 

163,445 36 

138,863 15 

31,915 59 

12,107 97 

14,824 53 

7,509 60 

72,755 48 

49,926 56 

24,600 83 

3,699 35 

40,758 02 

32,850 60 

24,483 00 

8,903 96 



Total disbursements, $4,706,502 02 



Balance, 



$10,012,406 68 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 



$1,486,950 43 

1,927,520 43 

4,000 00 

347,735 00 

87,911 59 



* Includes industrial losses, $1,425,381.26. 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 11 



Book value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents' debit balances, 

Printing plant, . 

Loans on personal security, 



Total, 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over book, . 



►,773,345 31 
7,070 06 
410,474 81 
2,453 42 
2,000 00 
1,281 68 



$10,050,742 73 
38,336 05 



$ 10,0 12,406 68 



131,032 56 

7,148 55 

73,431 52 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

§43,128 06 
39,563 71 



Renewals. 

$59,810 22 
126,987 21 



$82,691 77 $186,797 43 
16,538 35 37,359 49 



$66,153 42 $149,437 94 



Net amount of uncollected j>remiums (industrial), 
Total assets, per company's books, . 

Items not admitted. 

Agents 1 debit balances, 

Loans on personal security, .... 

Printing plant, 

Total, 

Total admitted assets, 



215,591 36 
48,454 84 



$10,488,065 51 



^2,453 42 
1,281 68 
2,000 00 



5,735 10 



$10,482,330 41 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $9,213,656 00 
Deduct net value of reinsured risks, 18,769 00 



Net reserve, .... 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 



1,194,887 00 



$6,828 88 
160 00 



12 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, 

Agents 1 deposits, 

Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, .... 
Due for taxes, fees, salaries, expenses, etc., . 
Cash surrender values, 



$26,300 00 
17,621 00 



Special reserve for dividends and possible depreciation, 

Liabilities as to policy holders, 

Surplus as regards policy holders, 



150,909 88 

9,580 48 

20,202 55 

3,051 07 

79,742 17 

72,233 31 

150,000 00 



Gross liabilities, 



39,580,612 46 
901,717 95 

$10,482,330 41 



Premium Note Account. 

Premium notes on hand Dec. 31, 1896, 

rec'd during 1897, old policies 
restored by revival of policies 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy holders 
Redeemed by maker in cash, . 

Total, 



$77,231 78 

30,609 49 

47 04 



$777 


85 


3,073 


95 


2,453 


75 


7,836 


81 


5,834 36 



$107,888 31 



19,976 72 



Balance note assets Dec. 31, 1897, 



$87,911 59 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, IS 96. 



Number. Amount. Total No. 


Total Amount. 


Whole life, . . . 7,971 $15,788,073 00 




Endowment, . . . 6,424 12,890,404 00 




All other, .... 289 680,550 00 




Reversionary additions, . - 96,198 00 




M 6S1 


$29,455,225 00 




Policies issued during the Tear. 




Whole life, . . . 3,966 $8,947,304 00 




Endowment, ... 609 1,171,253 00 




All other, .... 393 1,381,500 00 




4,968 


11,500,057 00 



Whole life, 
Endowment, 



Old Policies revived. 

11 $26,500 00 

14 16,000 00 



25 



42,500 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



13 



Whole life, 
Endowment, 

Additions by dividends, 



Old Policies increased. 

Number. Amount. Total No. Total Amount. 

$11,424 00 
29,733 00 

_ $41,157 00 

- 33,375 00 



Total, 19,677 f 41,072,314 00 

Policies terminated during the Year. 

Whole life, . . . 1,779 $3,957,160 00 
Endowment, ... 763 1,680,067 00 

All other, .... 185 572,407 00 



2,727 


$6,209,634 00 


How terminated. 


By death, .... 122 


$268,568 00 


maturity, ... 21 


53,100 00 


expiry, ... 13 


19,500 00 


surrender, . . . 579 


1,064,101 00 


lapse, .... 1,227 


2,413,700 00 


change and decrease, . 


365,715 00 


Not taken, .... 765 


2,024,950 00 


Policies in Force Dec. 31, 18 S 


Whole life, . . . 10,169 


$20,816,141 00 


Endowment, . . . 0,284 


12,427,323 00 


All other, .... 497 


1,501,800 00 


Reversionary additions, 


117,416 00 



2,727 6,209,634 00 



Industrial policies in force, 



16,950 34,862,680 00 
. 899,418 115,750,709 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Loaned Thereon. 

50 shares Middlesex Banking Co., . . . $3,750 00 $3,000 00 

Illinois Steel Co. bonds, 1,660 00 1,000 00 



$5,410 00 $4,000 00 



Schedule B. 



Stocks and Bonds owned by the Company. 

Book Value. Market Value. 

100 shares New England National Bank, . $12,03100 $14,625 00 

35 " Boylston National Bank, . . . 4,362 50 4,165 00 

100 " Continental National Bank, . . 10,150 00 10,000 00 

100 " Washington National Bank, . . 13,537 50 10,000 00 



14 JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



22 shares State National Bauk, 

25 " Tremont National Bank, 

60 " Boston Nat'l Bauk, Seattle, Wash., 

25 " American Loan and Trust Co., 

10 " Colorado Mining Exchange Build'g 

400 " Chic, Burl, and Quincy R.R. Co , 
75 " Boston and Maine R.R. Co., . 

325 " Atchison, Top. and Santa F6 R'y Co. 
70 " Oregon R.R. and Navigation Co., 
75 " Northern Pacific R'y Co., 
70 " St. Jos. and Grand Island R\ Co , 

212 " Chic, Indianap. and Louisv. R'y Co 

State of Massachusetts bonds, . 

County of "Washington, 111., bonds, 

County of Marion, Ind., bonds, 

County of Columbia, Wash., bonds, 

County of Lincoln, Neb., bonds, 

County of Finney, Kan., bonds, 

Count}- of Thurston, Wash., bonds, 

County of Yellowstone, Mont., bond 

County of Meagher, Mont , bonds, 

County of Shoshone, Idaho, bonds, 

Count}' of Missoula, Mont., bonds, 

County of Kootenai, Idaho, bonds, 

County of Cascade, Mont., bonds, 

County of La Plata, Colo., bonds, 

County of Pitkin, Colo., bonds, 

County of Rio Grande, Colo., bonds 

County of St. Louis, Minn., bonds, 

County of Uniou, Iowa, bonds, 

County of Ramsey, Minn., bonds, 

County of Wells, Ind., bonds, . 

County of Hennepin, Minn., bonds, 

County of Otter Tail, Minn., bonds, 

County of Pierce, Wash , bonds, 

County of Hudson, N. J., bonds, 

County of Lucas, Ohio, bonds, . 

County of Marion, Ohio, bonds, 

County of Clark, Ind., bonds, . 

County of Rock Island, 111., bonds, 

County of Marion, Ind., bonds, 

County of Ripley, Ind., bonds, . 

County of Vigo, Ind., bonds, . 

County of Wayne, Mich , bonds, 

County of Lawrence, Ind , bonds, 

County of Middlesex, Mass , bonds, 

City of St. Paul, Minn., bonds,. 

City of South St. Paul, Minn., bonds, 



Book Value. 

£2,531 50 

2,500 00 

6,000 00 

2,550 00 

10,000 00 

31,134 62 

8,236 12 

8,261 31 

1,050 00 

2,416 25 

2,800 00 

6,360 00 

366,707 50 

5,225 00 

42,737 50 

11,800 00 

4,195 00 

10,825 00 

10,700 00 

5,287 50 

10,600 00 

14,392 35 

10,762 50 

15,412 50 

10,600 00 

5,400 00 

5,400 00 

7,315 00 

10,000 00 

10,000 00 

10,325 00 

19,210 00 

31,800 00 

10,450 00 

10,600 00 

20,600 00 

21,112 50 

12,669 60 

21,512 50 

21,075 00 

10,462 50 

10,562 50 

8,300 00 

20,000 00 

10,775 00 

51,531 00 

10,375 00 

16,537 50 



Market Value. 

$2,420 00 

1,750 00 

4,500 00 

3,200 00 

10,000 00 

39,800 00 

12,562 50 

9,993 75 

4,865 00 

4,462 50 

3,727 50 

6,466 00 

387,750 00 

5,000 00 

42,600 00 

11,050 00 

4,240 00 

10,625 00 

10,525 00 

5,050 00 

10,700 00 

14,850 00 

10,750 00 

15,410 00 

10,700 00 

5,450 00 

5,400 00 

7,420 00 

10,550 00 

10,000 00 

10,650 00 

19,220 00 

32,700 00 

10,350 00 

10,400 00 

21,200 00 

20,750 00 

12,480 00 

21,350 00 

20,625 00 

10,000 00 

10,450 00 

8,100 00 

20,300 00 

10,650 00 

51,500 00 

11,700 00 

16,875 00 



JOHN PIANCOCK MUTUAL LIFE INSURANCE COMPANY. 



15 



City of Yankton, Dak., bonds, . 
City of Fremont, Neb., bonds, . 
City of Sioux Falls, Dak., bonds, 
City of St. Cloud, Minn., bonds, 
City of Beloit, Kan., bonds, 
Nebraska City, Neb., bonds, 
Kansas City, Kan., bonds, 
City of Evansville, Ind., bonds, 
City of Chattanooga, Tenn., bonds, 
City of Fargo, North Dakota, bonds, 
City of Columbus, Ohio, bonds, 
City of Huron, South Dakota, bonds, 
City of Middlesborough, Ky., bonds, 
Salt Lake City, Utah, bonds, . 
City of East Portland, Ore., bonds, 
City of Port Townsend, Wash., bonds, 
City of Ellensburgh, Wash , bonds, 
City of Wichita, Kan., bonds, . 
City of Astoria, Ore., bonds, 
City of Walla Walla, Wash., bonds, 
City of Olympia, Wash., bonds, 
City of South Omaha, Neb., bonds, 
City of Omaha, Neb., bonds, . 
City of Cheyenne, Wyo., bonds, 
Logan City, Utah, bonds, . 
City of New Whatcom, Wash., bonds, 
City of Beatrice, Neb., bonds, . 
City of La Grande, Ore., bonds, 
City of Snohomish, Wash., bonds, 
City of Colfax, Wash., bonds, . 
City of Fairhaven, Wash., bonds, 
City of Woodlawn, Cal , bonds, 
City of Port Angeles, Wash , bonds, 
City of Great Falls, Mont., bonds, 
City of Boston, Mass , bonds, . 
City of Cleveland, Ohio, bonds, 
City of Somerville, Mass , bonds, 
City of Lynn, Mass., bonds, 
City of Haverhill, Mass., bonds, 
City of Toledo, Ohio, bonds, 
City of Marietta, Ohio, bonds, . 
City of Seattle, Wash., bonds, . 
City of Dayton, Ohio, bonds, . 
City of Pawtucket, R. I., bonds, 
City of Tacoma, Wash., bonds, 
Jersey City, N. J., bonds, 
City of South Bend, Ind., bonds, 
City of Fond du Lac, Wis., bonds, 



Book Value. 

$8,496 25 

5,125 00 
14,525 00 
10,650 00 

6,337 50 
10,550 00 

8,000 00 

5,000 00 
10,900 00 
16,287 50 
20,550 00 
10,000 00 
12,270 00 

9,600 00 
10,925 00 
10,000 00 
10,000 00 

2,305 89 
10,600 00 

5,350 00 
10,637 50 

9,443 25 
10,675 00 
10,250 00 

4,875 00 
10,650 00 
10,000 00 

5,190 50 

5,175 00 
10,575 00 
10,594 00 

9,747 50 
10,000 00 
10,675 00 
60,025 00 
10,500 00 
25,375 00 
51,000 00 
15,337 50 
21,300 00 
20,212 50 
10,000 00 
21,495 00 
10,000 00 
10,100 00 
26,812 50 
23,406 00 
21,275 00 



Market Value. 

$8,903 75 

5,000 00 
14,300 00 
11,400 00 

6,180 00 
10,900 00 

8,080 00 

5,250 00 
11,500 00 
16,337 50 
21,200 00 

5,000 00 
12,000 00 
10,150 00 
12,500 00 
10,700 00 
10,700 00 

2,329 20 
10,725 00 

5,350 00 
10,000 00 

9,450 00 
10,512 50 
10,000 00 

5,000 00 
10,000 00 
10,000 00 

5,200 00 

5,375 00 
10,750 00 
10,000 00 
10,000 00 
10,000 00 
10,400 00 
65,055 63 
1.0,750 00 
25,625 00 
54,470 00 
16,387 50 
22,600 00 
20,480 00 
10,200 00 
20,600 00 
10,500 00 
10,200 00 
29,500 00 
23,900 00 
21,300 00 



16 JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



City of Lincoln, Neb., bonds, . 

City of Muscatine, Iowa, bonds, 

City of Sandusky, Ohio, bonds, 

City of Owosso, Mich., bonds, . 

Boise City, Idaho, bonds, . 

City of Paterson, N. J., bonds, . 

City of Woonsocket, R. I., bonds, 

City of Medford, Mass, bonds, . 

Long Island City, N. Y., bonds, 

Town of Spencer, Ind., bonds, 

Elniwood Township, 111., bonds, 

Town of South Bend, Wash., bonds, 

Town of East Providence, R. I., bonds, 

Village of St. Albans, Vt., bonds, 

City of Columbus, Ohio, bonds, 

City of Port Huron, Mich., bonds, 

City of Mattoon, 111., bonds, 

City of Steubenville, Ohio, bonds, 

Omaha, Neb., bonds, . 

Lima, Ohio, bonds, . 

Columbus, Ohio, bonds, 

Atlantic City, N. J., bonds, 

Pontiac, Mich., bonds, 

Lincoln, Neb., bonds, 

Duluth, Minn., bonds, 

City of Columbus, Ohio, bonds, 

City of Perth Am boy, X. J., bonds, 

City of Richmond, Ind., bonds, 

City of Perth Amboy, N. J., bonds, 

City of Sandusky, Ohio, bonds, 

City of Pawtucket, R. I., bonds, 

Jersey City, N. J., bonds, . 

City of Lawrence, Mass., bonds, 

City of Boston, Mass , bonds, . 

City of Quincy, 111 , bonds, 

City of Rock Island, 111., bonds, 

City of Newton, Mass., bonds, . 

City of Lynn, Mass., bonds, 

City of Boston, Mass., bonds, . 

City of Fort Madison, Iowa, bonds, 

Board of Education, Emporia, Kan., bonds, 

Board of Education, Arkansas City, bonds, 

Wyandotte Co., Kan., School District bonds, 

City of Seattle, Wash., School District bonds, 

City of Albina, Oregon, School District bonds, 

Helena, Mont., School District bonds, 

Ouray County, Colo., School District bonds, . 

City of Moscow, Ida , School District bonds, . 



Book Value. 

$15,989 00 

15,512 50 

44,396 25 

10,750 00 

10,350 00 

11,412 50 

20,000 00 

20,000 00 

20,400 00 

3,0G9 00 

4,975 00 

5,000 00 

10,000 00 

lu,000 00 

25,000 00 

8,321 60 

8,160 00 

15,000 00 

21,325 00 

10,627 80 

10,482 00 

28,062 50 

10,950 00 

10,100 00 

30,037 50 

10,000 00 

12,390 00 

31,200 00 

21,993 75 

5,206 25 

15,900 00 

13,770 00 

109,000 00 

77,182 50 

26,343 75 

22,365 00 

43,200 00 

21,350 00 

30,462 00 

10,200 00 

14,700 00 

3,112 50 

1,050 00 

10,287 50 

10,675 00 

10,400 00 

5,500 00 

7,717 50 



Market Value, 
f 15,654 00 

15,150 00 

43,612 50 

10,900 00 

10,375 00 

11,900 00 

21,200 00 

20,762 50 

21,100 00 

3,030 00 

10 00 

5,000 00 

10,500 00 

10,000 00 

25,500 00 

8,180 00 

8,200 00 

15,000 00 

20,900 00 

10,250 00 

10,325 00 

28,062 50 

10,900 00 

10,100 00 

30,037 50 

10,100 00 

12,600 00 

31,200 00 

22,300 00 

5,225 00 

16,050 00 

14,160 00 

110,000 00 

77,250 00 

26,343 75 

22,365 00 

43,400 00 

21,400 00 

30,450 00 

10,200 00 

14,490 00 

3,000 00 

1,000 00 

10,400 00 

11,000 00 

10,200 00 

5,000 00 

7,070 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



17 



Arapahoe Co , Colo., School District bonds, . 
Bozeman, Gallatin Co., Mont., School Dis't b'ds, 
Ind. School District of Duluth, Minn., bonds, . 
B'd of Education, Cleveland C'y, O., S. D. b'ds, 
City of Springfield, Mo., School District bonds, 
B'd of Education, Springfield Cy, O , S. D. b'ds, 
B'd of Education, Kansas City, Kan., bonds, . 
City of Lansing, Mich., School District bonds, . 
B'd of Education, City of Columbus, O., bonds, 
B'd of Education, Canton City, O., S. D bonds, 
Minneapolis Gas Light Co , Minn., bonds, 
Saratoga -Gas and Electric Lt. Co., N. Y., bonds, 
The Middlesex Banking Co., Conn , bonds, 
St. Paul Gas Light Co., Minn., bonds, 
Kansas City Electric Light Co. bonds, 
United Electric Securities Co. bonds, 
Land & Riv. Imp. Co., W. Superior, \Vis , b'ds 
Sanitary District of Chicago, 111 , bonds, . 
The American Bell Telephone Co. bonds, 
New England Telephone and Tel. Co. bonds, 
Merrimack Manufacturing Co. loan, 
Arnold Print Works loan, 
Hamilton Manufacturing Co. loan, . 
Cocheco Manufacturing Co. loan, 
Tremont and Suffolk Mills loan, 
American VValtham Watch Co loan, 
New England Telephone and Tel. Co. bonds, 
Wamsutta Mills loan, .... 
Minneapolis Gas Light Co. bonds, . 
Hamilton Manufacturing Co. loan, . 
Massachusetts Cotton Mills loan, 
The William A Slater Mills Corporation loan 
Manchester Mills loan, .... 
Thorndike Co loan, . 
Washington Mills Co. loan, 

Pacific Mills loan, 

Whittenton Manufacturing Co. loan, 

Boston Electric Light Co. bonds, 

The William A. Slater Mills Corporation loan 

Washington Mills Co. loan, 

Hamilton Manufacturing Co. loan, . 

Talbot Mills loan, 

Pacific Mills loan, 

York Manufacturing Co. loan, 

Arlington Mills loan, 

Boott Cotton Mills loan, . 

York Manufacturing Co. loan, 

New York & New England li.R. bonds, 



Book Value. 

85,162 50 

4,758 75 
10,000 00 
10,050 00 
15,450 00 
10,425 00 
18,235 00 
26,375 00 
25,843 75 
22,150 00 
10,500 00 
10,350 00 

2,000 00 
15,050 00 

5,985 00 
36,300 00 

9,900 00 
21,125 00 
46,787 50 
26,462 50 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
35,000 00 
10,550 00 
50,000 00 
15,225 00 
50,000 00 
100,000 00 
50,000 00 
75,000 00 
25,000 00 
50,000 00 
75,000 00 
50,000 00 
10,750 00 
25,000 00 
50,000 00 
25,000 00 
50,000 00 
75,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
54,612 50 



Market Value. 

$5,000 00 
4,657 50 
10,000 00 
10,200 00 
15,337 50 
10,275 00 
17,850 00 
26,125 00 
25,250 00 
22,150 00 
10,300 00 
7,500 00 
2,000 00 
15,900 00 
6,120 00 
36,300 00 
2,500 00 
22,000 00 
45,787 50 
26,812 50 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
35,000 00 
10,750 00 
50,000 00 
15,225 00 
50,000 00 
100,000 00 
50,000 00 
75,000 00 
25,000 00 
50,000 00 
75,000 00 
50,000 00 
10,800 00 
25,000 00 
50,000 00 
25,000 00 
50,000 00 
75,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
56,750 00 



18 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 



Cheshire R R. bonds, .... 
Chit-ago, Milwaukee & St. Paul R.R. bonds, 
Consolidated R.R. Co of Vermont bonds, 
Cleveland, Col., Cinn & Ind. R.R. bonds, 
Wisconsin Central R.R. bonds, 
Atchison, Colorado & Pacific R.R. bonds, 
Chicago & Eastern Illinois R.R. bonds, . 
Little Rock & Fort Smith Railway bonds, 
Carolina Central R.R. bonds, . 
St. Louis Cable and Western Railway bonds, 
The Marietta Mineral Railway bonds, 
Chicago, BuiTton & Northern R.R. Co. bonds 
Canton St. R'y & Lakeside St. R.R. bonds, 
Des Moines Street R.R. bonds, . 
The Chicago and Atchison Bridge Co. bonds, 
Tarkio Valley R.R. bonds, 
St. Louis & Suburban Railway bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 
Kan. City & Memphis R'y & Bridge Co b'ds, 
The N'thern Pacific Terminal Co. of Ore. b'ds, 
Minn., Lynd. & M'ka R'y & Minn. St. R'y. b'ds, 
Chicago, Burlington & Quincy R R. bonds, 
Great Northern Railway bonds, 
Chicago & West Michigan Railway bonds, 
West End Street R'y, Rockford, 111., bonds, 
Kansas City Elevated Railway bonds, 
Met. W. Side Ele. R.R , Chicago, 111., bonds, 
Kan. City, Ft Scott & Memphis R.R. bonds, 
Superior Rapid Transit Railway, Wis., bonds 
Metropolitan Railway, Denver, Col., bonds, 
Keithsburg Bridge Co , Keithsburg, 111., bonds 
St. Paul City Railway bonds, . 
Mexican Northern Railway bonds, . 
Rio Grande Western Railway bonds, 
Colorado Springs Rapid Transit R'y bonds, 
Salt Lake City, Utah, R.R bonds, . 
Centralia & Chester R.R. bonds, 
Wichita Electric R'y & Light Co. bonds, . 
Fitchburg R R bonds, .... 
Boston & Lowell R.R. bonds, . 
Boston & Maine R.R. bonds, 
Eastern Railway of Minn, bonds, 
Concord & Clarcmont R R. bonds, . 
Car'ge, Watert'n & Sackett's Har. RR bonds 
Cambridge R.R. bonds, .... 
St. Johnsbury & Lake Champlain R.R. bonds 
Maine Central R.R. bonds, 
Kansas City, Mem. & Birmingham R.R. bonds, 



Book Value. 

15,500 00 

10,612 50 

4,180 00 

9,750 00 

8,787 50 

4,275 00 

22,300 00 

6,800 00 

9,975 00 

11,742 50 

9,500 00 

30,778 12 

10,475 00 

10,675 00 

19.950 00 

7.752 50 

8,550 00 

19,300 00 

19,362 50 

10,700 00 

18,750 00 

71,191 25 

13,725 00 

10,650 00 

10,000 00 

10,500 00 

18,450 00 

43,952 50 

10,200 00 

15,300 00 

10,000 00 

9,250 00 

10,000 00 

15,475 00 

10,100 00 

10,000 00 

23,000 00 

9,500 00 

51,436 25 

25,000 00 

45,500 00 

10,055 00 

15,262 50 

11,500 00 

13,565 00 

22,950 00 

25,000 00 

3,030 25 



Market Valtie. 

fd,050 00 

12,700 <)0 

4,788 00 

12,500 00 

9,500 00 

3,000 00 

25,500 00 

9,800 00 

7,500 00 

12,100 00 

1,500 00 

31,700 00 

10,000 00 

10,675 00 

10,000 00 

7,350 00 

9,000 00 

22,<»00 00 

20,000 00 

10,250 00 

18,000 00 

74,000 00 

14,700 00 

7,204 00 

00 

10,200 00 

10,200 00 

51,250 00 

.000 00 

13,500 00 

10,000 00 

9,000 00 

9,750 00 

16,400 00 

10,000 00 

10,000 00 

20,000 00 

1,500 00 

52,755 00 

26,415 00 

51,000 00 

10,700 00 

15,750 00 

12,000 00 

13,650 00 

24,150 00 

25,875 00 

5,760 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



19 



Portland & Ogdensburg R,'y bonds, . 
Connecticut River R.R. scrip, . 
Boston Consolidated Street R'y bonds, . 
West End Street R'y, Boston, bonds, 
Old Colony Steamboat Co. bonds, . 
Metropolitan Street R'y Co., Kan. City, bonds 
Missouri, Kansas & Eastern R'y bonds, . 
Hereford, P. Q., R'y bonds, 
Grand Avenue, Kansas City, R'y bonds, . 
Terminal R.R. Asso. of St. Louisbonds, . 
Atch. Topeka & Santa Fe R'y bonds, 
Terminal R.R. Asso. of St. Louis bonds, . 
West End Street R'y, Boston, bonds, 
Portland R'y, Portland, Ore., bonds, 
Merrimack Valley St. R'y bonds, 
Oregon R.R. & Navigation Co. bonds, 
Cons. St. R'y, Grand Rapids, Mich., bonds, 
Fitchburg R.R. loan bonds, 
Missouri, Kansas & Texas R'y bonds, 
Northern Pacific R'y bonds, 
Wilmar & Sioux Falls R'y bonds, . 
Detroit, Grand Rapids & West. R.R. bonds, 
West End Street R'y, Boston, bonds, 
Chic. June R'y & Union Stock Y'ds Co. bonds 
St. Joseph & Grand Island R'y bonds, 

C, B. & Q. R.R. bonds 

Oregon Short Line R.R bonds, 
United Trac. & Electric Co., Prov.,R. I., bonds 
Louisville & Nashville R.R. bonds, . 
Commonwealth Avenue Street R'y bonds, 
Concord & Montreal R.R. bonds, 
Chicago, Ind & Louisville R'y bonds, 
Central R.R. of New Jersey bonds, . 
Maine Central R.R. loan, .... 



Book Value. 

$5,325 00 
35,000 00 
15,725 00 
20,712 50 

8,560 00 

9,700 00 

9,545 00 
15,000 00 
20,500 00 
20,600 00 
47,925 00 
21,400 00 
29,775 00 
18,750 00 
10,250 00 
25,096 90 

1,800 00 
50,000 00 
21,018 75 

5,000 00 
21,200 00 

7,500 00 
50,275 00 
54,831 25 

3,250 00 
52,193 75 

8,625 00 
25,187 50 
10,634 00 
10,600 00 
15,637 50 

4,000 00 

28,468 75 

150,000 00 



Market Value. 

$5,400 00 
35,000 00 
16,275 00 
21,325 00 

8,480 00 

9,700 00 

9,300 00 
14,850 00 
20,475 00 
21,400 00 
63,043 75 
21,800 00 
31,200 00 
17,812 50 
10,250 00 
26,970 00 

1,600 00 
50,000 00 
21,375 00 

6,050 00 
21,800 00 

9,360 00 
52,000 00 
55,000 00 

3,500 00 
52,575 00 
15,400 00 
26,125 00 
10,650 00 
10,600 00 
15,637 50 

4,050 00 

27,500 00 

150,000 00 



fo,773,345 31 $5,846,776 83 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY OF 

SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug. 1, 1851.] 

John A. Hall, President. Henry M. Phillips, Secretary. 

Income. 

Received for premiums on new policies, $530,254 73 

Received for renewal premiums, 2,851,018 57 

Dividends applied to pay running premiums, .... 378,157 30 



20 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Dividends applied to purchase paid-up additions, . 
Surrender values applied to purchase paid-up insurance, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, .... 

Premium notes or loans restored, . 



Total income, 

Net or ledger assets Dec. 31, 1896, . 

Total, 

Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 

on matured instalment policies and additions, 



Gross amount paid for losses and endowments, 
Received for losses aud claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Premium notes used in payment of dividends, 
Premium notes voided by lapse and used in purchase of sur 

rendered policies, 

Cash dividends paid policy holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions, . 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance, 
Interest on surrender values paid policy holders, . 



Total paid policy holders, . 
Cash paid for commissions and bonuses to agents (new poll 
cies, $262,030.23 ; renewals, $203,390.67), . 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees 
for taxes on premiums, . 
for taxes on reserves, 
for taxes on real estate, . 
for fees, licenses, etc., 
for rent, .... 
for advertising, printing and postage, 



$51,200 47 
5,519 00 

$3,816,150 07 
48,094 15 

$3,768,055 92 

869,193 91 

1,348 64 

20,660 63 

10,683 12 

9,635 67 

$4,679,577 89 
17,521,970 51 

$22,201,548 40 



$995,875 06 

148,271 00 

7,700 00 

$1,151,846 06 
13,227 00 

$1,138,619 06 
68,472 85 

72,677 11 

21,059 57 

378,157 30 

51,200 47 

377,750 49 

5,519 00 

1,654 77 



$2,115,110 62 



465,420 90 
71,725 94 

43,498 50 

114,158 98 

_-.321 05 

24,040 18 

6,548 13 

9,891 13 

27,477 01 

46,569 49 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



21 



Cash paid for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes), . 

for incidentals, 

for premiums on securities purchased, . 
Profit and loss account, 



$15,629 11 
4,171 59 
10,806 58 
23,725 13 
50,250 13 
26,760 28 



Total disbursements, $3,084,104 75 

Balance, $19,117,443 65 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Total ledger assets, as per balance, . 



$576,636 76 

7,325,862 22 

460,220 00 

1,632,268 30 

716,730 87 

7,325,437 62 

3,120 07 

1,077,167 81 

$19,117,443 65 



Other Assets. 

Interest due and accrued, 260,406 95 

Rents due and accrued, 7,054 91 

Market value of stocks and bonds over book, .... 412,726 63 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

$81,336 75 $133,541 28 
77,780 23 388,610 33 



$159,116 98 $522,151 61 
31,823 40 104,430 32 



$127,293 58 $417,721 29 



Total assets, per company's books, . 



545,014 87 
$20,342,647 01 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $18,501,514 00 
Deduct net value of reinsured risks, 221,789 00 



Net reserve, 



$18,279,725 00 



22 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Present value of unpaid instalments, 
Death losses in process of adjustment, / 
Claims resisted by the company, 

Total policy claims, - 

Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, .... 

Liabilities as to policy holders, . 
Surplus as regards policy holders, . 

Gross liabilities, 



$99,839 33 



$86,644 95 
4,000 00 



90,644 95 

116,553 05 

5,557 70 

118,592,320 09 
. 1,750,326 92 

$20,342,647 01 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, 

rec'd during 1897 (old policies) 
restored by revival of policies 

Total, 

Used in payment of losses and claims, . 

purchase of surrendered policies and 

voided by lapse, 
payment of dividends to policy holders 
Redeemed by maker in cash, . 

Total, 



$699,988 29 

186,769 37 

9,635 67 

$18,347 75 

72,677 11 

65,828 47 

22,809 13 



$896,393 33 



179,662 46 



Balance note assets Dec. 31, 1897, 



$716,730 87 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, IS 96. 





Number. 


Amount. Total Xo. Total Amount 


Whole life, 


. 35,447 


$89,749,406 00 


Endowment, 


. 4,737 


10,635,968 00 


All other, . 


742 


2,052,587 00 


Reversionary additions, 


- 


429,100 00 







40,926 $102,867,061 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 7,666 $16,807,444 00 
555 1,021,600 00 
828 2,316,900 00 



9,049 20,145,944 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

36 $63,380 00 

2 3,000 00 

2 7,000 00 



40 



73,380 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



23 



Old Policies increased. 

Number. 



Whole life, 
Endowment, 

Additions by dividends, . 



Amount. Total No. Total Amount. 

$97,389 00 
8,417 00 

_ $105,806 00 

112,731 00 



Total, 50,015 $123,304,922 00 



Policies terminated during the Year. 

Whole life, . . . 5,069 $11,817,854 00 
Endowment, ... 458 1,072,741 00 

All other, .... 428 1,368,667 00 





. 5,955 


$14,259,262 00 




How terminated. 


By death, . 


381 


$1,026,183 00 


maturity, 


68 


160,308 00 


expiry, . 


26 


61,000 00 


surrender, 


1,520 


3,100,349 00 


lapse, . 


. 1,908 


3,790,750 00 


change and decrease, 


- 


1,203,572 00 


Not taken, . 


2,052 


4,917,100 00 

K <\KZ 1 a oso oca 






O^irisO XT£,£OV ,zuz 


Polu 


ties in Force Dec. 31, 1897. 


Whole life, 


. 38,086 


$94,908,765 00 


Endowment, 


. 4,841 


10,597,244 00 


All other, . 


. 1,133 


3,034,284 00 


Reversionary additions, 


- 


505,367 00 

±a c\(\n mo ru* fi«n 







Schedule A. 

Securities held as Collateral. 



P, C. Cheney Co. stock, .... 
East Tilton Pulp Co. stock, 
Excelsior Paper Co. stock, 
Certificate of People's Savings Bank, 
L. L. Brown Paper Co., Adams, Mass., stock, 
Springfield Fire & Marine Ins. Co. stock, 
Wason Manufacturing Co. stock, 
Agawam National Bank stock, 
Connecticut River Paper Co. bonds, 



Market Value. Loaned Thereon. 



$18,000 00' 

500 00 

500 00 

2,000 00 

11,250 00 

31,400 00 

15,625 00 

7,800 00 

82,500 00 



$15,900 00 

2,000 00 
10,000 00 
23,000 00 

16,300 00 
75,000 00 



24 MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 



Union National Bank, Chicago, 111., stock, 
Chapman Valve Co stock, 
Metallic Drawing Roll Co. stock, 
Philadelphia, Read. & New Eng. R R. bonds, 
Connecticut River Paper Co. stock, . 
Hoosac Tunnel & Wilmington R.R. bonds, 
Holyoke Water Power Co. stock, 
Third National Bank, Springfield, Mass., stock 
Springfield Safe Deposit & Trust Co. stock, 
Natl Bank of Commonwealth, Boston, stock, 
Springfield Steam Power Co. bonds, 
Metallic Drawing 1 Roll Co. stock, 
Barre Water Co. stock, .... 
Revere Water Co. stock, .... 
Holyoke Water Power Co. stock, 
Hoosac Tunnel & Wilmington R.R. bonds, 
Exeter Manufacturing Co. bonds, . 
Springfield Fire & Marine Ins. Co. stock, 
Springfield Street Railway Co. stock, 
Holyoke Street Railway Co. stock, . 
Orange Judd Co., New York, stock, 
New York, N. Haven & Hart. R.R. Co deb., 
Springfield Safe Deposit & Trust Co. stock, 
Chic, Milwaukee & St. Paul R.R. bonds, 
Cinn., Ind., St. Louis & Chic. R.R. bond, . 
New York, N. Haven & Hart. R.R. Co. stock, 
Boston & Albany R.R. Co. stock, 
Springfield Fire & Marine Ins. Co. stock, 



Market Value. 

$13,000 00 

13,230 00 

10,000 00 

4,950 00 

7,500 00 

5,000 00 

13,110 00 

2,100 00 

3,375 00 

3,425 00 

22,000 00 

17,000 00 

24,800 00 

60,700 00 

64,125 00 

17,0u0 00 

114,000 00 

4,000 00 

7,000 00 

3,500 00 

3,200 00 

1,400 00 

13,500 00 

3,750 00 

1,000 00 

17,751 00 

5,475 00 

13,800 00 



1 



Loaned Thereon. 

111,000 00 

20,000 00 

4,000 00 

14,000 00 

1,800 00 

6,000 00 

20,000 00 
11,500 00 

10,000 00 

67,500 00 
95,000 00 

13,000 00 

900 00 
10,000 00 

3,500 00 
29,820 00 



1639,266 00 $460,220 00 



Schedule B. 

Slocks and Bonds owned by the Company. 

Book Valne. Market Value. 

Hamp. L. & T. Co , Springfield, Mass , stock, $30,000 00 $37,500 00 

First National Bank, Chelsea, stock, . . 31.980 00 24,477 00 

Globe National Bank, Boston, stock, . . 5,287 50 4,362 50 

Boston & Albany R R. stock, .... 75,021 86 136,875 00 

Boston & Maine R.R. stock, .... 4S7,157 50 543,705 00 

Buffalo, Rochester & Pittsburg R.R stock, . 27,500 00 33,375 00 

New York, New Haven & Hart. R R. stock, . 173,134 25 183,500 00 

New Y r ork, Chic. & St. Louis R.R. stock, . 78,320 00 81,400 00 

Pennsylvania R.R. stock, 54,325 00 57,000 00 

Agawam Manufacturing Co. stock, . . . 3,500 00 3,500 00 

Leadville Water Co stock, .... 2,400 00 7,200 00 

Leadville Power, Water & Mining Co. stock, . 22.229 00 25,000 00 

Silvcrton Water Supply Co stock, . . . 26,844 95 28,000 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 87,925 00 —,750 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. 25 



Boston & Lowell R R. bonds, . 

Boston & Maine R R. bonds, . 

Buffalo, Rochester & Pittsburg R.R. bonds, 

Chicago & Northwestern sinking fund, . 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Central of Georgia R.R. bonds, 

Cedar Rapids, Iowa Falls & N. W. R.R. bonds 

East Tenn., Va. & Georgia R.R. bonds, . 

Georgia Pacific R R. bonds, 

Iowa Central R.R. bonds, .... 

Louisville & Nashville R.R. bonds, . 

Maine Central R.R. bonds, 

Mahoning Coal Co. bonds, 

Nash , Chattanooga & St. Louis R.R. bonds, 

Northern Pacific R R. bonds, . 

Norwich & Worcester R.R. bonds, . 

New York, N. Haven & Hartford R.R. bonds 

Old Colony R.R. bonds, .... 

Oregon Improvement Co bonds, 

Portland & Rum ford Falls R.R. bonds, . 

Pittsburg, Painesville & Fairport R.R. bonds 

Peoria & Eastern R R. bonds, . 

St. Louis, Iron Mountain & South. R.R bonds 

Terminal R.R. Association, St. Louis, bonds, 

Texas & Pacific R.R. bonds, 

Verdigris Val., Independ. & West. R.R. bonds 

Virginia Midland R.R. bonds, . 

Wabash R.R. bonds, 

Western North Carolina R.R. bonds, 
Washington, Ohio & Western R.R. bonds, 
Woonsocket & Pascoag R.R. bonds, 
Wisconsin Central R.R. bonds, 
West End Street R'y, Boston, bonds, 
Springfield Street Railway bonds, 
United States government bonds, 
Massachusetts State bonds, 
Tennessee State bonds, 
Alabama State bonds, 
Chautauqua County, Kan., bonds, 
Cowley County, Kan , bonds, . 
Henry County, Ohio, bonds, 
Jay Count}', Ind., bonds, . 
Leavenworth County, Kan., bonds, 
Lancaster County, Neb., bonds, 
Perry County, 111 , bonds, . 
Saline County, Kan., bonds, 
White County, 111., bonds, 



Book Value. 

$200,000 00 

130,000 00 

10,665 00 

100,000 00 

231,019 30 

50,000 00 

157,997 77 

50,000 00 

74,062 50 

18,400 00 

97,655 99 

34,187 50 

164,875 00 

45,097 24 

50,000 00 

89,324 22 

100,000 00 

100,000 00 

300,000 00 

58,112 00 

100,000 00 

47,500 00 

84,769 72 

94,000 00 

100,00) 00 

138,956 11 

40,000 00 

85,350 00 

185,054 81 

75,000 00 

44,830 00 

37,000 00 

45,375 00 

120,000 00 

400,000 00 

100,000 00 

100,000 00 

75,866 25 

24,000 00 

37,620 00 

50,000 00 

30,000 00 

80,000 00 

33,687 11 

69,970 00 

12,000 00 

58,000 00 

100,000 00 



Market Value. 

$211,600 00 

136,000 00 

10,935 00 

116,000 00 

241,600 00 

52,000 00 

162,500 00 

52,750 00 

82,500 00 

19,200 00 

98,500 00 

32,025 00 

175,600 00 

61,250 00 

55,000 00 

95,000 00 

108,500 00 

109,500 00 

324,000 00 

38,356 25 

103,500 00 

44,000 00 

63,500 00 

99,640 00 

110,000 00 

145,500 00 

32,000 00 

103,000 00 

205,960 00 

84,750 00 

45,787 50 

40,700 00 

17,000 00 

124,500 00 

406,000 00 

128,250 00 

100,000 00 

90,000 00 

25,320 00 

39,140 00 

50,000 00 

31,650 00 

83,200 00 

36,087 11 

70,000 00 

6,000 00 

58,000 00 

100,000 00 



26 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Wayne County, Mich., bonds, 

Burlingame, Kan., bonds, 

Columbus, Ohio, bonds, 

Fairhaven, Wash., bonds, 

Lexington, Ky , bonds, 

Moorebead, Minn , bonds, 

Nashville, Tenn., bonds, 

Norfolk, Neb., bonds, 

Norfolk, Va., bonds, . 

Paris, Tex., bonds, . 

Pleasant Corner, Iowa, bonds, 

Seattle, Wash., bonds, 

Toledo, Ohio, bonds, . 

Kewanee Town, 111., bonds, 

Douglass Town, 111 , bonds, 

Oswego Town, Kan., bonds, 

Springfield, Mass., Masonic Hall bonds, 

Freeman Manufacturing Co. bonds, 

Kansas City, Mo., warrants, 

Wallingford, Conn., Gas Light Co bonds, 

Council Bluffs, Iowa, City Wat. W^'ksCo. b'ds 

Hornellsville, X. Y., Water Co. bonds, 

City Water Works Co. of Omaha, Neb , bonds 

Knoxville, Tenn., Water Co. bonds, 

Leavenworth City and F't Water Co. bonds, 

Chippewa Falls, Wis., Water Works Co bonds, 

Crookston, Minn., Wat. W. Pow. & L't Co. b'ds, 

Thompsonville, Conn , Water Co. bonds, 

Keokuk & Western Railway Co. notes, . 

Springfield, Mass., Street Railway Co. notes, . 



Book Value. 

$250,000 00 

2,000 00 

49,000 00 

50,000 00 

49,250 00 

5,000 00 

100,000 00 
16,000 00 

100,000 00 
50,000 00 
10,000 00 
98,500 00 
76,000 00 
15,500 00 
19,000 00 
26,600 00 
70,000 00 
30,000 00 
3,521 89 
19,500 00 
30,000 00 
24,375 00 
75,000 00 
34,500 00 
50,000 00 
34,868 15 
45,000 00 
25,000 00 

270,222 00 

160,000 00 



Market Value. 

1260,000 00 

2,000 00 

52,430 00 

52,000 00 

55,000 00 

5,400 00 

104,000 00 
16,000 00 

108,C00 00 
52,000 00 
10,100 00 

105,000 00 
79,040 00 
15,810 00 
19,000 00 
28,000 00 
70,000 00 
30,000 00 
3,521 89 
20,000 00 
30,000 00 
26,000 00 
79,500 00 
35,000 00 
52,500 00 
41,070 00 
49,500 00 
26,125 00 

270,222 00 

160,000 00 



$7,325,437 62 $7,738,164 25 



KEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1S43.] 

Bexj. F. Stevens, President. S. F. Thill, Secretary. 

Principal Office, Post Office Square. 

Income. 

Received for premiums on new policies, .... 

Received for renewal premiums, 

Distributions applied to pay running premiums, 
Distributions applied to purchase paid-up additions, 
Surrender values applied to purchase paid-up insurance, 



Total premium income, 



. $469,764 


79 


. 2,487,888 


35 


608 


27 


21. 


10 


3\975 


47 


. $3,521. 


98 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



27 



Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Premium notes or loans restored, 

Profit and loss account, 



Total income, 
Net or ledger assets Dec. 31, 1896, 



Total, 



$1,015,994 20 
2,164 35 

99.823 38 
5,996 08 

57,812 79 



$4,703,667 78 
24,630,783 45 



$29,334,451 23 



Disbursements 
Paid for losses and additions, . 
Paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Premium notes or loans voided by lapse, 
Distributions paid policy holders, .... 

applied to pay running premiums, . 

applied to purchase paid-up additions, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance, 

Total paid policy holders, . . . 
Cash paid for commissions and bonuses to agents (new poli 
cies, $234,381.86 ; renewals, $113,772.32), 
for salaries and allowances to managers and agents 
for medical examiner's fees, 
for salaries of officers and home office employees 
for taxes on premiums, . 
for taxes on reserves, 
for taxes on real estate, . 
for fees, licenses, etc., 
for rent, .... 
for commuting commissions, 
for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, 

Total disbursements, 

Balance, 

Invested in the following: — 



Assets as ter Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 



. $1,570,491 


00 


210,268 


20 


. $1,780,759 


20 


56,713 


95 


36,735 


51 


508,862 


27 


21,386 


10 


598,248 


69 


33,975 47 


. $3,036,681 


19 


348,154 


18 


41,688 


36 


25,888 . 50 


129,839 


55 


29,703 


56 


25,116 


87 


28,647 


87 


8,630 09 


25,528 


23 


9,956 


78 


54,752 


65 


1,677 


55 


10,573 


19 


51,093 09 


36,374 99 


. $3,864,306 65 



$25,470,144 58 



52,178,589 36 

6,395,504 00 

1,812,280 98 

911,754 85 



28 NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 

Premium notes or loans on policies in force, .... $650,188 17 
Book value of stocks and bonds owned (schedule B), . . 12,968,050 47 
Cash deposited in bank, 553,776 75 



Total net or ledger assets, as per balance, . . $25,470,144 58 

Other Assets. 

Interest due and accrued, 178,319 23 

Rents due and accrued, 14,084 41 

Market value of stocks and bonds over book, .... 1,040,253 15 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $22,231 59 £ 172,231 89 

Deferred premiums on policies 

in force, 55,817 80 45,137 00 



Total $78,049 39 $217,368 89 

Deduct loading (20 per cent.),. 15,609 88 43,473 78 



Net amount of uncollected and 
deferred premiums, . . $62,439 51 $173,895 11 



236,334 62 



Total assets, per company's books, .... £26,939,135 99 

Liabilitii 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $24,470,268 00 
Death losses due and unpaid, .... $103,993 00 
Matured endowments due and unpaid, . . 23,323 00 

Death losses in process of adjustment, . . 69,211 00 

Claims resisted by the company, . . . 3,000 00 

Total policy claims 199,527 00 

Unpaid distributions of surplus due policy holders, . . 133,276 64 



Liabilities as to policy holders, .... $24,803,071 64 
Surplus as regards policy holders, 2,136,064 35 



Gross liabilities, $26,939,135 99 

Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $653,786 87 . 
Premium notes received during 1897 (new poli- 
cies, $125,517 ; old policies, $727,539.35), . 853,056 35 
Premium notes restored by revival of policies, 5,996 08 

Total, . $1,512,839 30 

Used in payment of losses and claims, . . $19,45159 

Used in purchase of surrendered policies, . 17,199 96 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



29 



Voided by lapse, $56,713 95 

Used in pay't of distributions to policj' holders, 3,786 66 

Redeemed by maker in cash, .... 765,498 97 

Total, 

Balance note assets Dec. 31, 1897, 



$862,651 13 



$650,188 17 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 

Policies and Additions in Force Dec. 52, 1896. 

Number. Amount. Total No. Total Amount. 

. 9,558 $27,277,916 00 
. 25,676 70,735,197 00 
685 1,982,979 00 
35,919 $99,996,092 00 

Policies issued during the Year. 

. 3,505 $9,654,173 00 
. 1,684 3,681,834 00 
481 1,526,500 00 
5,670 14,862,507 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

53 $176,500 00 

49 99,986 00 

7 22,500 00 



109 



298,986 00 



Whole life, 
Endowment, 
All other, . 



Old Policies changed and increased. 
56 $122,400 00 

565 643,322 00 

2 7,500 00 



623 



773,222 00 



Total, 42,321 $115,930,807 00 

Policies terminated during the Year. 

Whole life, . . . 1,294 $3,559,952 00 
Endowment, . . . 2,757 6,830,225 00 
All other, .... 220 663,700 00 



4,271 $11,053,877 00 



By death, . 
maturity, 
expiry, 
surrender, . 



How terminated. 

513 $1,586,699 00 

100 216,336 00 

48 117,000 00 

1,082 2,818,016 00 



30 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 





Number. 


Amount. 


Total No. Total Amount. 


By lapse, . 


1,271 


$2,924,200 00 




By change and decrease, . 


625 


1,604,654 00 




Not taken, 


632 


1,786,972 00 


4,271 311,053,877 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1897. 

. 11,878 $33,671,037 00 

. 25,217 68,330,114 00 

955 2,875,779 00 



38,050 104,876,930 00 



Schedule A. 

Securities held as Collateral. 



Kansas City Stork Yards Co. stock, 
Denver Union Stock Yard Co. stock 
Globe National Bank stock, 
Globe National Bank stock, 
900 shares Boston Wharf Co , . 
Atchison, Topeka & Santa Fe R.R. bonds, 
First National Bank of Dubuque stock, . 
Home Insurance Co. of New York stock, 
Arlington Mills stock, .... 
Atchison, Topeka & Santa Fe bonds, 
N. E Safe Deposit & Trust Co., Mo., stock, 
Louisville, Evansville & St. Louis bonds, 
Norwich & Worcester stock, 
First National Bank of Dubuque stock, . 
Chicago, Burlington & Northern RR. bond, 
New England Trust Co. stock, 
Bay State Trust Co. stock, 
Old Colony Trust Co. stock, 
Colorado Fuel & Iron Co. stock, 
Merchants 1 Nat'l Bank of Indianapolis stock, 
Atchison, Topeka & Santa Fe bonds, 
Boston & Gloucester Steamboat Co., stock, 
Metropolitan St. R'y Co., Kansas City, stock, 
Portland, Ore., bonds, .... 
Los Angeles, Cal., bonds, .... 
Fremont, Elkhorn & Mo. Valley R.R. bonds, 
Old Lowell National Bank stock, 
Prescott National Bank, Lowell, stock, . 
North National Bank, Boston, stock, 
Metropolitan St. R'y Co., Kansas City, bonds, 
Metropolitan St. R'y Co , Kansas City, bonds, 
Metropolitan St. R'y Co., Kansas City, bonds, 



Market Value. 

$55,000 00 

11,000 00 

17,450 00 

13,960 00 

76,500 00 

37,788 75 

1,000 00 

4,000 00 

21,630 00 

17,291 25 

2,600 00 

103,000 00 

60,300 00 

500 00 

1,000 00 

14,100 00 

3,125 00 

6,250 00 

2,550 00 

6,400 00 

41,067 50 

24,000 00 

1,650 00 

2,340 00 

3,485 50 

1,340 00 

2,040 00 

260 00 

270 00 

7,760 00 

7,760 00 

14,550 00 



Loaned Thereon. 

-,000 00 

15,000 00 
12,000 00 
50,000 00 
25,000 00 

1,000 00 



Si 



25,000 00 


2,000 00 


125,305 98 


500 00 


400 00 



20,000 00 

J 

3,000 00 

25,000 00 

20,000 00 

1,500 00 



6,500 00 



7,200 00 

7,200 00 

13,500 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



31 



Metropolitan St. R'y Co., Kansas City, bonds, 

Rio Grande Western bonds, 

Mexican Central R.R. bonds, . 

Pullman's Palace Car Co. stock, 

Chicago, Burlington & Qnincy stock, 

Chicago, Burlington & Quincy bonds, 

Chicago, Burlington & Quincy stock, 

Atchison, Topeka & Santa Fe bonds, 

Swift & Co. bond, .... 

Huntington Avenue lands stock, 

100 shares Westminster B'k, Providence, 

N. E. Safe Deposit & Trust Co. of Mo. stock, 

Metropolitan St. R'y Co., Kansas City, stock, 

Colorado Fuel & Iron Co. stock, 

Metropolitan St. R'y Co , Kansas City, stock, 

Street Railway & Illuminating Properties st'k 

Chicago, Burlington & Quincy stock, 

Mexican Telegraph Co. stock', . 

Chic June. R'ys & Un. Stock Yards Co. stock, 

Chic. June. R'ys & Un. Stock Yards Co. stock, 

Chicago, Burlington & Quincy stock, 

Great Falls Manufacturing Co. stock, 

Old Colony Trust Co. stock, 

Kansas City Stock Yards Co. stock, . 

Chic. June. R'ys & U. Stock Yards Co. stock, 

Illinois Steel Co. bonds, .... 

17 shares Amoskeag Manufacturing Co.,. 

Mexican Telegraph Co. stock, . 

Kansas City Stock Yards Co. stock, . 

Chic. June. R'ys & U. Stock Yards Co. stock, 

Oregon Short Line R.R bonds, 

Boston Belting Co. stock, .... 

American Bell Telephone Co. stock, 

Hereford Railway Co bonds, . 

Boston & Maine R.R. stock, 

Chauncy Hall School stock, 

Fitchburg Gas & Electric Light Co. stock, 

Mortgage note, 

Boston & Albany stock, .... 
Central Railway of Georgia bonds, . 

Cambridge bonds, 

Kan. City, Ft. Scott & Memphis R.R. bonds, 
Chicago, Burlington & Quincy bonds, 
Chicago, Milwaukee & St Paul stock, 
West End Street Railway Co. stock, 
New York, N. Haven & Hart. R.R. stock, 
Boston Terminal Co. bonds, 
Portland & Rumford Falls Railway bonds, 



Market Value. 

$14,550 00 

8,300 00 

7,250 00 

17,300 00 

49,750 00 

29,750 00 

2,487 50 

1,639 37 

1,020 00 

9,600 00 

5,950 00 

6,500 00 

33,000 00 

10,200 00 

26,400 00 

34,000 00 

119,400 00 

22,040 00 

16,537 50 

23,214 00 

7,462 50 

17,250 00 

27,750 00 

9,130 00 

60,337 50 

29,050 CO 

23,800 00 

38,760 00 

18,370 00 

11,025 00 

6,187 50 

7,417 50 

26,200 00 

12,610 00 

12,525 00 

93,023 00 

7,500 00 

3,600 00 

10,975 00 

10,980 00 

20,650 00 

7,140, 00 

20,460 00 

18,925 00 

4,250 00 

27,450 00 

60,480 00 

52,000 00 



Loaned Thereon. 

$13,500 00 
I 15,000 00 

I 50,000 00 

1,450 00 
I 1,600 00 

8,500 00 
5,000 00 
4,500 00 

I 30,000 00 
I 45,000 00 

> 100,000 00 
I 20,000 00 

} 

[ 100,000 00 

) 



y 100,000 oo 



) 



10,000 00 

16,000 00 

18,000 00 

25,000 00 

5,000 00 

1,500 00 

9,000 00 



y 100,000 oo 



I 100,000 00 



32 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



Atchison, Jewell County & Western bonds, 
Atchison, Colorado & Pacific bonds, 
Boston United Gas Co. bonds, . 
Pullman's Palace Car Co. stock, 
Massachusetts National Bank stock, 
Central Massachusetts R.R. stock, . 
75 shares West End Street Railway Co., 
New England R.R. stock, . 
Kan City, Ft. Scott & Memphis R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago & Eastern Illinois R.R. bonds, . 
Toledo, St. Louis & Kansas City bonds, . 
Chicago & Eastern Illinois R R. stock, 
New England R.R. stock, .... 
Boston & Maine R.R. stock, 
Central & South American Tel. Co. stock, 
Lake Erie & Western stock, 
Oregon Railway & Navigation Co. stock, 
American Loan & Trust Co. stock, . 
Galveston, HarrisbV & San Antonio R.R b'ds 
Union Pacific R.R. notes, .... 
Atchison, Topeka & Santa Fe bonds, 
Metropolitan Street Railway Co. of Mo. stock 
Boston Music Hall Association stock, 
Chicago, Burlington & Quincy R.R. stock, 
Chicago, Burlington & Quincy R.R. stock, 
New York city bonds, .... 
Chicago, Burlington & Quincy R.R. bonds, 
N. Y , Susquehanna & Western R R. bonds, 



Market Value 

$ 1,960 00 1 

900 00 

4,260 00 

1,730 00 

2,897 50 

21,870 00 

3,187 50 

1,600 00 J 

7,490 00^ 

5,500 00 



Loaned Thereon. 



} $35,000 00 



1,130 00 • 



4,450 00 

7,500 00 

4,000 00 J 

72,645 00 

4,820 00^ 

7,100 00 

8,100 00 

2,480 00 

3,030 00 

10,750 00 J 

20,150 00 

4,950 00 

261,800 00 

49,750 00 

49,750 00 

229,722 85 

7,700 00 

4,325 00 



J> 20,000 00 



62,000 00 



)> 30,000 00 



14,000 00 

4,125 00 

-,i-00 00 

40,000 00 

40,000 00 

200,000 00 

10,000 00 



$2,451,212 22 f 1,812,280 98 



Schedule B. 
Slocks and Bonds owned by the Company. 



72 shares Atlantic National Bank, 

333 " Boston National Bank, . 

100 " Continental National Bank, 

240 " Eagle National Bank, . 

500 " Globe National Bank, . 

140 " Hide & Leather National Bank, 

52 " Massachusetts National Bank, 

91 " Merchants' National Bank, 

150 " Revere National Bank, 

120 " State National Bank, . 

1,400 " Third National Bank, . 

160 " Tremont National Bank, 

134 " Webster National Batik, 



Book Value. 

$7,101 00 
33,300 00 
10,000 00 
24,000 00 
50,000 00 
14,000 00 
5,200 00 
13,650 00 
15,000 00 
10,273 10 
140,000 00 
15,951 25 
13,400 00 



Market Value. 

$7,650 00 
29,970 00 
10,000 00 
18,000 00 
43,625 00 
14,420 00 
3,965 00 
14,355 25 
12,000 00 
13,200 00 
126,000 00 
11,200 00 
13,601 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



33 



150 shares Winthrop National Bank, . 

100 " Bay State Nat'l Bank, Lawrence 
50 " First National Bank, Cambridge 

107 " National City Bank, Lynn, . 

400 " Nicollet Nat'l Bank, Minn., . 

150 " Boston National Bank, Seattle, 

200 " American Loan and Trust Co., 

625 " Boston Safe Deposit & Trust Co. 

100 " Mattapan Deposit and Trust Co. 
70 " State St. Safe Deposit & Trust Co . 

390 " N.E Safe Dep.& Trust Co. of Mo 

243 " N. E. Safe Deposit & Trust Co., 
1,063 " Boston & Albany R.R., 

200 " Boston & Lowell R.R., . 

800 " Conn. & Passumpsic Rivers R.R. 

157 " Eastern R.R. in N. H., . 

100 " Northern R.R., 

200 " Portland, Saco & Portsm'th R.R. 

281 " N. Y., N. H. & Hart. R.R., . 

300 " Boston & Providence R.R., . 

850 " Norwich & Worcester R R., . 

900 " Fitch burg R.R., . 

300 " Chicago & Alton R.R., . 
1,378 " Chic, Burlington & Quincy R.R. 

165 " Dt., Grand Rapids & West. R R. 

475 " St. Joseph & Grand Island R.R. 

500 " West End Street R'y, . 
1,120 " Metro. St. R'y, Kansas City, 
50 " Boston Ground Rent Trust, . 
1,650 " Boston Northwest Real Estate Co. 
5 " Dwight Manufacturing Co., 

125 " Denver Consolidated Gas Co., 
50 " Massachusetts Cotton Mills, 

160 " Mass. Firep'f St'ge & Ware. Co., 

120 " Mass. Title Insurance Co., 
United States bonds, . 
Boston city bonds, . 
Boston sterling loan, 
Brookline, Mass., bonds, 
Cambridge city bonds, 
Holyoke city bonds, . 
Lawrence city bonds, 
Lowell city bonds, . 
Lynn city bonds, 
Manchester, Mass., bonds, 
Milton, Mass., bonds, 
Medford, Mass., bonds, 
Newton city bonds, . 



Book Value. 

$15,000 00 

7,500 00 

7,500 00 

16,050 00 

40,000 00 

15,000 00 

20,000 00 

93,750 00 

10,000 00 

7,000 00 

36,930 57 

24,300 00 

159,450 00 
30,000 00 
80,000 00 
11,775 00 
10,000 00 
20,000 00 
39,350 00 
45,000 00 

127,500 00 
82,225 75 
30,000 00 

137,732 77 

2,297 47 

17,000 00 

37,500 00 

109,500 00 
50,000 00 

100,212 50 

5,000 00 

7,000 00 

5,000 00 

16,000 00 

12,000 00 

591,037 50 

1,010,736 12 

85,070 00 

251,116 00 

125,850 00 
5,000 00 

153,591 63 
67,100 00 

175,000 00 

114,000 00 
38,000 00 
98,346 37 

108,825 00 



Market Value. 

$19,650 00 
11,500 00 
8,750 00 
17,120 00 
34,000 00 
11,250 00 
25,000 00 

125,000 00 

11,000 00 

7,140 00 

50,700 00 

24,300 00 

233,328 50 
43,900 00 

120,200 00 
13,973 00 
15,600 00 
29,600 00 
51,423 00 
80,400 00 

170,850 00 
90,000 00 
49,200 00 

137,111 00 
4,620 00 
20,925 00 
51,500 00 
73,920 00 
42,500 00 

104,720 00 
4,200 00 
7,500 00 
4,737 50 
16,000 00 
4,200 00 

639,375 00 

1,125,475 50 

90,006 54 

261,794 45 

150,420 00 
5,210 00 

168,127 70 
71,365 94 

186,725 90 

118,708 20 
38,646 90 

116,608 20 

125,117 00 



34 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



New Bedford city bonds, . 

Quincy, Mass., bonds, 

Salem city bonds, 

Waltham city bonds, 

Woburn city bonds, . 

Worcester city bonds, 

Bridgeport, Conn., bonds, 

Cincinnati, O., bonds, 

Columbus, O., bonds, 

Chicago bonds, . 

County of Cuyahoga, O., bonds, 

Eden, Me., bonds, 

Helena, Mont , bonds, 

Indianapolis, Ind., bonds, . 

Johnston, R. I., bonds, 

Kansas City, Mo., bonds, . 

Lawrence, Kan., bonds, 

Lewiston, Me., bonds, 

Lancaster, X. H., Fire Precinct bond 

Lincoln, Neb., bonds, 

Minneapolis city bonds, . 

Milwaukee city bonds, 

Meredith Village Fire District bonds, 

Morrisville, Vt, bonds, 

Marietta, O., city bonds, . 

New Hampshire State bonds, 

Norwich city bonds, . 

Omaha city bonds, 

Providence city bonds, 

Pawtucket city bonds, 

St. Paul city bonds, . 

Sheboygan, Wis., bonds, . 

Seattle city bonds, 

St. Albans, Vt., bonds, 

Wayne County, Mich., bonds, 

Willimantic, Conn., bonds, 

Boston & Maine R.R. bonds, 

Maine Central R.R. bonds, 

Conn. River R.R. bonds, . 

Concord & Montreal R.R. bonds, 

Portland Union Railway Station Co. bonds, 

N. Y., New Haven & Hartford R.R. bonds, 

New Haven & Derby R.R. bonds, 

Hoasatonic R.R. bonds, 

Norwich & Worcester R.R. bonds, 

Boston & Providence R.R. bonds, 

Old Colony R.R. bonds, . 

Providence & Worcester R.R. bonds, 



Book Value. 

$10,000 00 
11,500 00 
10,000 00 

110,000 00 
17,500 00 
35,000 00 
50,000 00 
65,000 00 
28,000 00 

149,750 00 
50,000 00 
60,000 00 
50,000 00 

120,000 00 
55,000 00 

163,808 25 
50,000 00 

100,000 00 
40,100 00 
49,583 33 

185,000 00 
13,000 00 
35,000 00 
45,000 00 
49,000 00 
20,500 00 
69,000 00 
98,000 00 
53,153 06 

150,000 00 

100,000 00 

100,000 00 
25,000 00 
17,980 00 
50,000 00 
80,000 00 

175,000 00 

110,153 75 
60,000 00 

299,250 00 
50,000 00 

145,993 75 
14,250 00 

100,000 00 
50,000 00 

125,000 00 

219,810 00 

139,000 00 



Market Valae. 

f 10,7 13 00 
11,713 10 
10,865 00 

111,014 90 
17,853 90 
39,277 00 
54,245 00 
74,399 00 
29,122 80 

159,055 00 
53,725 00 

61.474 50 
51,440 00 

120,376 00 
57,228 00 

171,707 20 
53,575 00 

112,300 00 
42,149 64 
53,635 00 

195,486 50 
13,616 60 
39,731 00 
46,331 50 
51,685 20 
23,287 00 
79,564 40 

100,730 90 
59,166 00 

150,600 00 

113,320 00 

102,240 00 
25,000 00 
18,284 40 

51.475 00 
83,248 00 

184,125 00 
128,530 00 

60,450 00 
319,500 00 

52,000 00 
181,560 00 

15,900 00 
123,000 00 

52,000 00 
131,250 00 
242,625 00 
165,240 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY. 



35 



Fitchburg R.R. bonds, .... 
Brookline & Pepperell R.R. bonds, . 
Pennsylvania R.R. bonds, .... 
Phil., Wilmington & Baltimore R R. bonds, 
Delaware & Chesapeake R.R. bonds, 
Pitts., Cinn., Chic. & St. Louis R.R. bonds, 
Baltimore & Ohio R.R. bonds, . 
Pittsburgh, Cleveland & Toledo R.R. bonds, 
N. Y. Central & Hudson River R.R. bonds, 
Atchison, Topeka & Santa F6 R.R. bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Burlington & Missouri River R.R. bonds, 
Chicago & Northwestern R.R. bonds, 
Fremont, Elkhorn & Mo. Valley R.R. bonds, 
Northern Illiuois R.R. bonds, . 
Ottumwa, Cedar Falls & St. Paul R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Dakota & Great Southern R.R. bonds, 
Chicago & Eastern Illinois R.R. bonds, . 
Evansville, Terre Haute & Chicago R.R. b'ds 
Chicago, Rock Island & Pacific R.R. bonds, 
Des Moines & Fort Dodge R.R. bonds, . 
Chicago & West Michigan R.R. bonds, . 
Cincinnati, Dayton & Ironton R.R. bonds, 
Dayton & Michigan R.R. bonds, 
Clev., Cinn., Chic. & St Louis R.R. bonds, 
Duluth & Iron Range R.R. bonds, . 
Detroit, Grand Rapids & Western R.R. bonds 
Kan. City, Clinton & Springfield R,R. bonds, 
Kansas Equipment Co. bonds, . 
Louisville, Evansville & St. Louis R.R. bonds 
Sturgis, Goshen & St. Louis R.R. bonds, 
Michigan Central R.R. bonds, . 
Northern Pacific R.R. bonds, . 
Oregon Short Line R.R. bonds, 
Rio Grande Western R.R. bonds, 
Union Pacific R.R. bonds, . 
St. Joseph & Grand Island R.R. bonds, 
Denver City Street Railway bonds, . 
Globe Street Railway bonds, . 
Omaha Street Railway bonds, . 
St. Louis & Suburban Street Railway bonds, 
St. Louis Cable & Western Railway bonds, 
Worcester Consolidated Street R'y bonds, 
North Chicago City Street Railway bonds, 
Metropolitan Street R'y, Kansas City, bonds, 
Corrigan Consolidated Street R'y bonds, . 



Book Value. 

$230,000 00 

49,000 00 

150,000 00 

193,871 67 

108,531 25 

50,000 00 

50,000 00 

50,000 00 

100,000 00 

224,965 25 

25,000 00 

100,000 00 

121,066 25 

50,000 00 

50,000 00 

100,000 00 

50,000 00 

98,942 50 

100,000 00 

196,950 00 

10,000 00 

100,000 00 

21,700 00 

40,490 00 

47,750 00 

50,000 00 

91,000 00 

47,500 00 

20,640 00 

41,600 00 

25,000 00 

100,000 00 

36,250 00 

198,500 00 

4,547 38 

50,000 00 

23,700 00 

100,000 00 

21,240 00 

86,000 00 

100,000 00 

98,500 00 

15,352 00 

50,000 00 

48,500 00 

30,000 00 

192,000 00 

100,000 00 



Market Value. 

$243,500 00 

52,920 00 

156,000 00 

206,825 00 

114,400 00 

55,000 00 

45,500 00 

52,500 00 

110,000 00 

276,125 00 

27,500 00 

107,000 00 

123,190 00 

56,850 00 

67,000 00 

109,000 00 

54,500 00 

117,500 00 

113,500 00 

202,000 00 

10,300 00 

107,750 00 

21,750 00 

35,020 00 

55,000 00 

55,000 00 

86,000 00 

52,500 00 

17,437 50 

38,500 00 

25,000 00 

103,000 00 

37,500 00 

228,000 00 

7,930 00 

61,875 00 

24,900 00 

85,000 00 

17,750 00 

30,000 00 

100,750 00 

97,000 00 

14,040 00 

55,000 00 

50,500 00 

31,350 00 

198,000 00 

105,000 00 



36 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Grand Avenue Railway bonds, . 
Kansas City Cable Railway bonds, . 
Algonquin Clnb, Boston, bonds, 
Brookline Gas Light Co. bonds, 
Chelsea Gas Light Co. bonds, . 
Denver Consolidated Gas Co bonds, 
Minneapolis Gas Light Co. bonds, . 
Troy Gas Co. bonds, .... 
Worcester Electric Light Co. bonds, 
Charlestown Gas & Electric Co. notes, 
Maine Central R R. Co. notes, . 



Book Value. 

$95,500 00 
99,500 00 
24,000 00 
50,000 00 

100,000 00 
43,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 

150,000 00 



Market Value. 

$98,500 00 

100,000 00 
21,600 00 
51,500 00 

105,000 00 
50,000 00 
50,000 00 
26,750 00 
50,000 00 
25,000 00 

150,000 00 



$12,968,050 47 §14,008,303 62 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 

[Incorporated March 16, 1844. Commenced business June 1, 1845.] 

A. G. Bullock, President. Henry M. Witter, Secretary. 

Income. 
Received for premiums on new policies, .... 



Received for renewal premiums, 

Dividends applied to pay running premiums, . 

Dividends applied to purchase paid-up additions and annuities 

Total, 

Deduct amount paid for reinsurance, 



Total premium income, 
Received for interest, .... 
for rents of company's property, 
for reinsurance, 



Total income, 
Net or ledger assets Dec. 31, 1896, 



Total, 



$299,637 27 

1,944,628 40 

302,150 87 

90,938 46 

?2,637,355 00 
2,813 60 

$2,634,541 40 

497,444 76 

66,725 48 

1,077 38 

£3,199,789 02 
11,382,102 82 

$14,581,891 84 



Disbursements 

Paid for losses and additions, . 

Paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash dividends paid policy holders, 

applied to pay running premiums, 
applied to purchase paid-up additions 
annuities, 
Surrender values paid in cash, 

Total paid policy holders, . 



and 



$590,885 10 
100,533 53 

$691,418 63 

10,712 42 

302,150 87 

90,938 46 
2-2,494 37 

$1,377,714 75 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



37 



Cash paid for commissions and bonuses to agents (new poli- 
cies, $139,200.06 ; renewals, $162,634.56), . 
for salaries and allowances to managers and agents, 
for medical examiner s fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on new premiums, $2,246 32 ; on re- 
newals, $11,712.36, 
for taxes on reserves, 
for taxes on real estate, . 
for fees, licenses, etc., 
for rent, .... 
for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 
for premiums on bonds purchased, 



Total disbursements, 



Balance, 



$301,834 62 
28,258 20 
20,549 50 
49,712 00 

13,958 68 
17,222 36 
20,294 56 

5,157 45 

32,151 37 

14,772 23 

331 00 

9,098 05 
43,333 55 
41,733 88 
26,705 90 

$2,002,828 10 

$12,579,063 74 



Invested in the following : — 

Assets as per Ledger Account. 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Total net or ledger assets, as per balance, 

Other Assets. 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over cost, . 



$1,565,000 00 

2,424,837 07 

277,300 00 

444,921 00 

7,568,150 CO 

2,596 94 

296.258 73 

$12,579,063 74 



148,794 65 

8,898 00 

374,994 00 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$42,886 00 
41,441 00 



Renewals. 

,707 21 
244,890 70 



$84,327 00 $345,597 91 
16,865 40 69,119 58 



$67,461 60 $276,478 33 



Total assets, per company's books, . 



343,939 93 
$13,455,690 32 



38 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $12,110,024 00 



Deduct net value of reinsured risks, 



Net reserve, .... 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total polic} r claims, . 

Liabilities as to policy holders, . 
Surplus as regards policy holders, . 

Gross liabilities, 



25,092 00 
112,085,582 00 



$46,365 00 
25,000 00 



71,365 00 

$12,156397 00 

. 1,298,793 32 

$13,455,690 32 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31,1896. 

Number. Amount. Total No. Total Amount. 

. 4,265 $11,446,190 00 

. 17,467 49,297,267 00 

144 550,589 00 

746,748 00 
■ 21,876 $62,040,794 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 

. 1,996 $5,659,411 00 

. 1,184 2,620,500 00 

214 743,147 00 



3,394 9,023,058 00 



Whole life, 
Endowment, 



Old Policies revived. 

1 $1,500 00 

3 7,000 00 



8,500 00 



Old Policies transferred and increased. 

Whole life, ... - $11,000 00 

Endowment, ... - 36,277 00 



Additions by dividends, 
Total, . 



47,277 00 
171,089 00 



. 25,274 $71,290,718 00 



Policies terminated during the Year. 

Whole life, ... 645 $1,679,928 00 
Endowment, . . . 1,281 3,413,654 00 
All other, .... 47 220,004 00 



1,973 $5,313,586 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



39 



How terminated. 





Number. 


Amount. Total Xo. 


Total Amount. 


By death, . 


197 


$595,668 00 




maturity, 


43 


100,534 00 




expiry, . 


3 


3,500 00 




surrender, 


783 


1,779,292 00 




lapse, . 


508 


1,183,702 00 




change and decrea 


se, . 63 


772,678 00 




Not taken, . 


376 


878,212 00 








1,973 


$5,313,586 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1897. 

. 5,617 $15,438,173 00 

. 17,373 48,547,390 00 

311 1,130,243 00 

861,326 00 



23,301 65,977,132 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 



200 shares Whitman & Barnes Mfg. Co., 
144 " Landers 4 , Frary & Clark, . 
100 " Worcester Traction Co., . 

25 " Worcester Traction Co., . 

20 " Pullman Palace Car Co., 
200 " Boston & Montana Mining Co 

50 " Quincy Mining Co., 

10 " Worcester Safe Dep. & Trust Co. 
Wabash R R. bonds, .... 

60 shares Spy Publishing Co , 

12 " Boston & Albany R.R. Co., 

30 " Fitchburg R.R. Co., 
6 " Boston & Albany R.R. Co., 

45 " Duncan & Goodell Co , . 

20 " N. Y. C. & H. R. R R. Co , 
6 " American Bell Telephone Co. 

56 " Washburn & Moen Mfg. Co., 
400 " Boston & Montana Mining Co 
New England Building Co. bonds, . 

54 shares Norwich & Worcester R.R. Co., 

31 " National Bank, Bellows Falls, Vt. 
400 " Osceola Mining Co., 

270 " Quincy Mining Co., 

15 " Worcester National Bank, 
400 " Washburn & Moen Mfg. Co., . 
Demand note secured by mortgage, 



$16,000 00 ) 
4,320 00 S 
9,400 00 
2,350 00 
3,400 00 
29,000 00 >| 
5,600 00 I 
1,400 00 j 
11,770 00 J 
9,000 00 
2,640 00 ? 
2,970 00 S 
1,320 00 
5,400 00 
2,200 00 
1,440 00 
8,960 00 
58,000 00 
35,000 00 
10,800 00 
3,100 00 
16,000 00 
30,240 00 
2,250 00 
64,000 00 
13,000 00 



Loaned Thereon. 

$13,000 00 

6,500 00 
1,800 00 
1,800 00 

35,000 00 

7,000 00 
800 00 

1,000 00 

1,500 00 

1,400 00 

100 00 

5,200 00 

25,000 00 

30,000 00 

7,500 00 

1,200 00 

33,000 00 

1,500 00 

30,000 00 

3,000 00 



40 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



25 shares Worcester Traction Co., . 
50 " Chic. June. R'y & U. St'k Y'd Co , 
10 " Westinghouse Elec. & Mfg. Co 
7 " Worcester Electric Light Co , 
30 " Worcester Corset Co., 
Brunswick & Chillicothe R.R. bonds, 
42 shares Chic, Islington & Quincy R.R. Co 
Chesapeake & Ohio R.R. bond, 
200 shares Worcester Traction Co., . 



100 

100 

100 

70 

50 

80 

4 



Market Value. Loaned Thereon. 

$2,350 00^ 



5,000 00 « 



625 


shares 


300 


i< 


338 


i« 


110 


it 


100 


44 


300 


(( 


300 


44 


300 


44 


400 


44 


400 


44 


665 


44 


640 


44 


500 


44 


300 


44 


45 


44 


90 


44 


150 


44 


221 


44 


40 


44 


100 


44 


90 


44 


50 


44 


112 


44 


100 


44 


25 


44 


25 


44 


100 


44 



Worcester Traction Co., . 
Worcester Gas Light Co., 
Mechanics 1 National Bank, 
Worcester Traction Co , . 
First National Fire Ins. Co., 
Quincy Mining Co., 
Providence & Worcester R.R. Co. 



Schedule B. 

Stocks and Bonds owned by the 



Boston & Albany R.R., . 
Boston & Maine R.R., 
Chicago & Alton R.R., . 
Chic, Burlington & Quincy R.R., 
Chicago & Northwestern R R., 
Chicago, Rock Island & Pac R.R., 
Fitchburg R.R., 
Illinois Central R.R., 
Morris & Essex R.R. Co , 
New London & Northern R.R., 
N. Y., New Haven & Hartford R R 
Norwich & Worcester R R , . 
Providence & Worcester R.R., 
West End St. R'y Co., . 
State Safe Deposit Co., . 
Adams Nat'l Bank, North Adams, 
Atlantic National Bank, Boston, 
Central National Bank, Worcester 
City National Bank, Worcester, 
Continental National Bank, Boston 
Eliot National Bank, Boston, . 
First National Bank, Boston, . 
Hide and Leather N'l Bank, Boston 
Howard National Bank, Boston, 
Leicester National Bank, 
Millbury National Bank, 
Quinsigamond N'l B'k, Worcester, 



400 00 . 

1,190 00 J 

3,000 00 ) 

700 00 S 

4,116 00 

1,100 00 

18,800 00 

9,400 00 ^ 

19,500 00 J 

8,000 00 J 

6,580 00 ) 

4,500 00 S 

8,960 00 

1,000 00 



}> $6,500 00 



1,800 00 

2,700 00 

1,000 00 

14,000 00 

30,000 00 

7,000 00 

7,500 00 
500 00 



$144,156 00 $277,300 00 



Company. 

Cost Value. 

$97,851 00 

47,924 00 

45,754 00 

13,256 00 

14,012 00 

35,085 00 

27,189 00 

36,943 00 

25,450 00 

62,477 00 

101,020 00 

114,181 00 

76,893 00 

26,100 00 

4,500 00 

13,122 00 

18,388 00 

30,986 00 

4,000 00 

10,012 00 

10,575 00 

5,000 00 

11,575 00 

9,931 00 

2,650 00 

2,500 00 

10,090 00 



Market Value. 

$132,812 00 

50,100 00 

54,080 00 

10,560 00 

17,000 00 

27,000 00 

29,100 00 

30,000 00 

33,000 00 

70,000 00 

119,700 00 

128,000 00 

125,000 00 

30,000 00 

4,500 00 

11,700 00 

15,900 00 

27,000 00 

6,000 00 

10,000 00 

10,710 00 

11,100 00 

11,536 00 

8,500 00 

3,750 00 

2,500 00 

14,000 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



41 



115 shares Redemption Nat'l Bank, Boston, 
75 " Republic National Bank, Boston, 
67 " Revere National Bank, Boston, 
67 " Shawmut National Bank, Boston, 
100 " Third National Bank, Springfield, 
50 " Tremont National Bank, Boston, 
25 " Wachusett Nat'l Bank, Fitchburg, 
33 " Webster National Bank, Boston, 
222 " Worcester National Bank, 

United States bonds, 

Akron & Chicago Junction R.R. bonds, . 

Atlantic Avenue R'y Co., Brooklyn, N.Y., b'ds 

Baltimore Belt R'y Co. bonds, . 

Baltimore & Ohio Equipment Association b'ds 

Baltimore & Ohio R R. bonds, . 

Boston, Clinton, Fitch. & New Bedf'd R.R. b'ds, 

Boston & Maine R.R. bonds, 

Boston, Revere Beach & Lynn R.R. bonds, 

Broadway Surface R'y Co., N. Y., bonds, 

Brooklyn City R.R. bonds, 

Burlington & Missouri River R.R. bonds, 

Central Pacific R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago & Eastern Illinois R.R. bonds, . 

Chicago & Indiana Coal R'y Co. bonds, . 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern R.R. bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Chicago, St. Paul, Minn. & Omaha R.R. bonds 

Chicago & Western Indiana R.R. bonds, . 

Chicago & West Michigan R'y Co. bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, 

Cleveland, Cinn., Chic. & St. Louis R.R. bonds, 

Cleveland, Col., Cinn. & Indianap. R.R. bonds, 

Cleveland Electric R'y Co. bonds, . 

Cleveland, Lorain & Wheeling R.R. bonds, 

Columbus Connecting & Terminal R.R. bonds 

Concord & Montreal R.R. bonds, 

Connecticut River R.R. Co , . 

Consolidated St. R'y Co., Columbus, O , bonds 

Ellwood Short Line R'y Co. bonds, . 

Essex Street R'y Co. bonds, 

Evansville, Terre Haute & Chicago R.R. bonds 

Fitchburg R.R bonds, .... 

Fulton Elevated R.R. bonds, . 

Globe Street R'y Co. bonds, 

Grand Avenue R'y Co , Kansas City, bonds, 

Great Northern R'y Co. bonds, 



Cost Value. 

$15,985 00 
7,562 00 
6,756 00 
6,725 00 
10,000 00 
8,300 00 
2,500 00 
3,575 00 
32,413 00 

180,000 00 
50,000 00 
87,175 00 
25,000 00 
25,000 00 

150,000 00 
33,000 00 
51,000 00 
11,200 00 
60,700 00 

109,500 00 
18,600 00 
30,000 00 
80,735 00 
49,710 00 
25,000 00 
29,750 00 

132,177 00 
40,000 00 
57,500 00 
44,900 00 
26,309 00 
50,000 00 

112,500 00 
19,800 00 
24,750 00 
47,500 00 
47,500 00 

100,000 00 

100,000 00 
50,000 00 
22,500 00 
95,700 00 
10,250 00 

150,925 00 
25,000 00 
29,950 00 
24,125 00 
45,875 00 



Market Value. 

f 12,880 00 

10,575 00 

5,360 00 

7,638 00 

20,000 00 

3,550 00 

3,750 00 

3,333 00 

33,300 00 

190,500 00 
42,500 00 
90,000 00 
21,250 00 
25,000 00 

120,000 00 
33,000 00 
56,500 00 
11,200 00 
67,600 00 

114,000 00 
20,000 00 
30,000 00 
82,500 00 
63,500 00 
25,500 00 
32,500 00 

139,500 00 
42,400 00 
67,500 00 
48,000 00 
16,740 00 
53,000 00 

118,750 00 
23,760 00 
26,500 00 
53,000 00 
51,000 00 

104,000 00 

100,000 00 
50,000 00 
26,000 00 

100,580 00 
10,100 00 

149,300 00 
10,000 00 
30,000 00 
25,500 00 
50,000 00 



42 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



Housatonic R R. bonds, .... 

King's County Elevated R'y Co. bonds, . 

Lake Erie & Western R R. bonds, . 

Lehigh & New York R'y Co. bonds, 

Lehigh Valley Terminal R'y Co. bonds, . 

Long Island City & Flushing R.R. bonds, 

Lynn & Boston R.R. bonds, 

Maine Central R.R. bonds, 

Maine Cen. & Europ'n & No. Amer. R.R. bonds 

Metropolitan St. R'y Co., Kansas City, bonds, 

Metropolitan St. R'y Co , N. Y., bonds, . 

Milwaukee City R.R. bonds, 

Minne., Lyndale & Minnetonka R'y Co. bonds, 

Michigan Central R.R. bonds, . 

N. Y. Central & Hudson River R R. bonds, 

N. Y., Lackawanna & Western R R. bonds, 

N. Y. & New England R.R. bonds, . 

N. Y., New Haven & Hartford R.R. bonds, 

North End St. Ry. Co. bonds, . 

Northern Ohio R.R. bonds, 

Norwich & Worcester R.R. bonds, . 

North Chicago City Ry. Co. bonds, . 

Old Colony Steamboat Co. bonds, . 

Ohio River R.R. bonds, .... 

Omaha St. Ry. Co. bonds, .... 

Pacific R.R. of Missouri bonds, 

Penobscot Shore Line R.R. bonds, . 

Pittsburgh, Cleveland & Toledo R.R. bonds, 

Portland & Ogdensburg R.R. bonds, 

Rio Grande & Western R.R. bonds, 

Rutland R.R. bonds, 

Saginaw Consolidated St. Ry. Co. bonds, 
Saginaw Union St. Ry. Co. bonds, . 
St. Johnsbury & Lake Champlain R.R. bonds 
St. L., Iron Mountain & Southern Ry. bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Street Ry., Grand Rapids, Mich., bonds, . 
Terre Haute & Indianapolis R.R. bonds, . 
Thirty-fourth St. Crosstown Ry. Co. bonds, 
Toledo & Ohio Central R.R. bonds, . 
Ulster & Delaware R.R. bonds, 
United Traction & Electric Co. bonds, 

Wabash R.R bonds, 

West End St. Ry. Co., Boston, bonds, 
West Side R.R. Co., Milwaukee, bonds, . 
Wilkesbarre & Eastern R.R. bonds, 
Worcester Consolidated St. Ry. Co. bonds, 
Worcester, Nashua & Rochester R.R. bonds, 



Cost Valne. 

1 7 7, 750 00 

25,000 00 
96,500 00 
92,250 00 
52,500 00 
50,000 00 
25,750 00 
26,855 00 
90,000 00 
29,250 00 
82,500 00 
28,000 00 
24,625 00 
145,300 00 
32,325 00 
73,270 00 
10,662 00 
56,010 00 
50,500 00 
154,125 00 
100,000 00 
51,000 00 
26,000 00 
24,375 00 
49,100 00 
30,000 00 
50,000 00 
21,200 00 
50,000 00 
19,500 00 
20,950 00 
9,800 00 
10,000 00 
55,000 00 
52,000 00 
57,625 00 
16,050 00 
25,000 00 
86,500 00 
48,000 00 
15,600 00 
25,000 00 
50,000 00 
64,780 00 
50,000 00 
48,750 00 
110,870 00 
104,750 00 



Market Value. 

$93,750 00 
15,000 00 

109,500 00 
94,000 00 
56,000 00 
54,000 00 
26,250 00 
27,500 00 

102,000 00 
30,000 00 
84,750 00 
29,120 00 
25,000 00 

163,550 00 
32,400 00 
80,750 00 
11,700 00 
.400 00 
53,500 00 

153,000 00 

104,000 00 
52,000 00 
26,000 00 
27,500 00 
51,000 00 
31,200 00 
51,000 00 
20,000 00 
54,000 00 
20,500 00 
20,500 00 
7,500 00 
7,500 00 
60,500 00 
53,000 00 
67,500 00 
14,250 00 
27,000 00 
88,500 00 
52,500 00 
15,300 00 
26,000 00 
53,500 00 
67,600 00 
53,000 00 
47,000 00 

122,960 00 

105,000 00 



STATE MUTUAL LIFE ASSURANCE COMPANY. 



43 



Worcester & Shrewsbur} 7 R.R. bonds, 

Abstract Safety Vault Co., Chicago, bond 

Congress Hotel Co., Chicago, bonds, 

New England Teleg;. and Tel. Co. bonds 

Standard Gas Light Co., N. Y., bonds, 

Worcester Electric Light Co. bonds, 

Worcester Gas Light Co. bonds, 

Attleborough, Mass., bonds, 

Bangor city bonds, . 

Beverly, Mass., bonds, 

Birmingham, Ala., bonds, 

Boston city bonds, 

Chicago city bonds, . 

Cincinnati city bonds, 

Cleveland city bonds, 

Clinton, Mass , bonds, 

Columbus city bonds, 

County of Franklin, Ohio, bonds, 

County of Hennepin and Minneapolis bonds, 

Duluth, Wis., bonds, 

Fostoria, Ohio, bonds, 

Kansas City, Mo., School District bonds, 

Lawrence city bonds, 

Lowell city bonds, 

Minneapolis city bonds, 

Montclair, N. J., bonds, 

Medford, Mass., bonds, 

Nashville, Tenn., bonds, 

Newton, Mass., bonds, 

Omaha, Neb., bonds, 

Pawtucket, R. I., bonds, 

Portland city bonds, . 

Providence city bonds, 

Quincy, Mass., bonds, 

St. Louis city bonds, . 

St. Paul, Minn., bonds, 

Borough of Rutherford, N. J., bonds 

Toledo city bonds, . 

Watertown, Mass., bonds, 

Wayne County, Mich., bonds, . 

Gardner Water Co. loan, . 

Washburn & Moen Mfg. Co. loan, 

Barre Water Co. loan, 

Worcester Gas Light Co. loan, 

Worcester Consolidated St. Ry. Co. loan, 



Cost Value. 

$6,030 00 
52,000 00 
80,000 00 
26,250 00 
34,200 00 
50,000 00 

100,000 00 
43,000 00 
26,375 00 
51,375 00 
26,750 00 
50,125 00 
19,000 00 
9,640 00 
50,000 00 
46,400 00 
77,500 00 
10,000 00 
51,500 00 
18,200 00 
20,000 00 
23,800 00 
53,000 00 
52,000 00 
41,922 00 

100,125 00 
45,000 00 
10,000 00 
26,750 00 
56,625 00 
50,000 00 
19,000 00 
25,875 00 
20,000 00 
21,450 00 
50,500 00 
48,000 00 
42,825 00 
50,000 00 
50,000 00 
60,000 00 

100,000 00 

14,000 00 

30,000 00 

9,000 00 



Market Value. 

$6,120 00 
52,020 00 
80,000 00 
26,250 00 
35,200 00 
50,000 00 

107,000 00 
44,290 00 
25,500 00 
52,500 00 
23,750 00 
50,750 00 
19,380 00 
9,040 00 
52,500 00 
45,600 00 
77,000 00 
10,800 00 
54,000 00 
20,000 00 
21,000 00 
25.500 00 
57,500 00 
54,000 00 
43,050 00 

105,750 00 
47,550 00 
10,400 00 
28,000 00 
58,250 00 
53,500 00 
22,800 00 
25,250 00 
20,920 00 
20,400 00 
52,000 00 
52,500 00 
45,480 00 
52,000 00 
52,000 00 
60,000 00 

100,000 00 

14,000 00 

30,000 00 

9,000 00 



$7,568,150 00 $7,943,144 00 



LIFE INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1897. 






DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



"JETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated 1820. Commenced business 1850.] 
Paid-up Capital, $1,750,000. 
Moijgan G. Bulkeley, President, J. L. English, Secretary. 

Note. — As this company is doing both a life and accident business, and its assets are all held 
equally for the protection of botb classes of policy holders, the assets are therefore not divided 
for the different departments. The details of both departments are given in their respective 
places. 



Income. 

Received for premiums on new policies, .... 

Received for renewal premiums, 

Dividends applied to pay running premiums, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, 

Profit on securities sold, . 

Total income life department, . 
Total income accident department, 

Gross income, .... 
Net or ledger assets Dec. 31, 1896, . 



$711,477 42 

3,770,694 65 

650,034 71 

32,780 85 

237,162 25 



$5,402,149 88 
2,100 52 



$5,400,049 36 

2,450,037 71 

2,145 86 

37,950 87 

271 82 

3,115 00 



§7,893,570 62 
604,253 09 



$8,497,823 71 
43,481,046 66 



Total, 



$51,978,870 37 



48 



iETNA LTFE INSURANCE COMPANY. 



Disbursements. 

Paid for losses and additions, 

for matured endowments, .... 
on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Cash dividends paid policy holders, 
Cash dividends applied to pay running premiums,. 
Surrender values paid in cash, .... 
applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poli 

cies, $336,328.80 ; renewals, $296,257.86), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on new premiums, $6,082.90 ; on re- 
newals, 833,126.55, 

for taxes on franchise, $88,194.36 : on reserves, 

15,592.26 

for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for loss on sales of property, . 
for incidentals, .... 
Profit and loss account, 



$2,323,848 69 

1,103,447 30 

15,482 00 



83,442,777 99 
3,655 00 



$3,439,122 99 
261,396 99 
650,034 71 
158,074 00 

32,780 85 

237,162 25 



Total disbursements life department, 
Total disbursements accident department, 

Gross disbursements, .... 

Balance, 

Invested in the following: — 

Assets as per Ledger Accounts. 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 



$4,778,571 79 
175,000 00 

632,586 66 
20,384 31 
42,390 97 

122,354 13 

39,209 45 

93,786 62 
10,206 48 
12,550 82 
28,843 60 
69,272 95 
22,423 01 

2,212 51 
20,520 42 
11,772 70 
26,263 18 

2,678 27 



$6,111,027 87 
519,352 89 



$6,630,380 76 



$45,348,489 61 



6511,681 00 

24,542,856 65 

411,090 70 



.ETNA LIFE INSURANCE COMPANY. 49 

Loans on company's policies assigned as collateral, . . $1,289,865 00 
Premium notes or loans on policies in force, .... 596,167 70 
Cost value of stocks and bonds owned (schedule B), . . 13,074,717 89 

Cash in company's office, 525,856 59 

Cash deposited in bank, 4,323,483 56 

Bills receivable 18,092 59 

Agents' debit balances, 35,732 09 

Total, $45,359,543 77 

Deduct agents' credit balances, etc., ..... 11,054 16 

Total net or ledger assets, as per balance, . . $45,348,489 61 

Other Assets. 

Interest due and accrued, 974,355 22 

Rents due and accrued, 2,824 49 

Market value of stocks and bonds over cost, .... 878,098 88 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, . ' . . . $33,238 27 |154,823 61 

Deferred premiums on policies 
in force, 47,861 88 229,018 36 

Total, $81,100 15 $383,841 97 

Deduct loading (20 per cent.), 16,220 03 76,768 39 

Net amount of uncollected and 
deferred premiums, . . $64,880 12 $307,073 58 

371,953 70 

Total assets, per company's books, .... $47,575,721 90 

Items not admitted. 

Agents' debit balances, $35,732 09 

Bills receivable, 18,092 59 

Total 53,824 68 

Total admitted assets $47,521,897 22 

Deduct special deposits in other States, 4,308,005 66 

Balance, $43,213,891 56 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . > $39,141,813 00 
Deduct net value of reinsured risks, 43,643 00 

Net reserve, $39,098,170 00 



50 



^ETNA life insurance company. 



Present value of unpaid instalments, 
Commissions due on premium notes, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, 
Contingent surrender values, . 



Liabilities life department, 
Liabilities accident department, 



Gross liabilities, 
Deduct liabilities on special deposits, 

Surplus as regards policy holders, . 
Paid-up capital, .... 

Surplus over capital, 



Gross liabilities, 



•8,363 00 
414 35 



•48,075 00 

145,334 00 

33,146 00 



•7,263,308 46 



226,555 00 

635,987 25 

12,784 16 

15,638 00 

•39,997,911 76 

. 260,677 00 

•40,258,588 76 

. 4,308,005 66 

•35,950,583 10 

. 1,750,000 00 

. 5,513,308 46 

$43,213,891 56 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, 
Premium notes received during 1897 (new poli- 
cies, $14,361.33 ; old policies, •32,549.96), . 

Total, 

Used in payment of losses and claims, . 
in purchase of surrendered policies, 
in payment of dividends to policy holders, 
Redeemed by maker in cash, .... 
Total, 

Balance note assets Dec. 31, 1897, 



$660,778 17 

46,911 29 

•45,170 57 
13,247 01 
30,574 87 
22,529 31 



$707,689 46 



111,521 76 

. «596,167 70 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount 

Whole life, . . . 34,139 $47,607,330 00 
Endowment, . . . 42,925 73,672,634 00 
All other, .... 10,594 24,355,977 00 

87,658 •145,635,941 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 1,764 $3,525,149 00 
. 7,197 13,809,938 00 
. 1,665 3,776,898 00 



10,626 21,111,985 00 



JETNA LIFE INSURANCE COMPANY. 



51 



Old Policies revived and increased. 



Number. 


Amount. Total No. 


Total Amount. 


7 


$23,982 00 




49 


137,358 00 




256 


497,500 00 

QIO 


$658,840 00 







Whole life, 
Endowment, 
All other, . 



Total 98,596 $167,406,766 00 

Policies terminated during the Year. 

Whole life, . . . 1,688 $3,091,147 00 
Endowment, . . . 4,496 8,755,123 00 
All other, .... 2,066 4,898,598 00 





8,250 


$16,744,868 00 




How terminated. 


By death, . 


1,297 


$2,369,414 00 


maturity, 


818 


1,100,546 00 


expiry, . 


681 


1,658,048 00 


surrender, 


1,400 


2,432,398 00 


lapse, . 


2,344 


5,605,048 00 


change and decrease, 


267 


591,108 00 


Not taken, . 


1,443 


2,988,306 00 



8,250 16,744,868 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Bee. 31, 1897. 

. 34,222 $48,065,314 00 

. 45,675 78,864,807 00 

. 10,449 23,731,777 00 
90,346 



150,661,898 00 



Schedule A. 



Securities held as 

125 shares Hartford Fire Insurance Co. 

52 " iEtna Fire Insurance Co., 

300 " Willimantic Linen Co., 

25 " United States Bank, 

50 " Orient Fire Insurance Co., 

63 " iEtna Fire Insurance Co., 

100 " Plimpton Manufacturing Co 

100 " iEtna Fire Insurance Co., 

79 " Travelers' Insurance Co., 

100 " Hartford Carpet Co., . 

25 " United States Bank, . 

124 " iEtna Fire Insurance Co., 

807 " Willimantic Linen Co., 

100 " <&tna Indemnity Co., . 



Collateral. 

Market Value. 

$68,750 00 ) 
14,040 00 \ 
9,000 00 n 
8,750 00 1 
4,400 00 f 
17,010 00 J 
11,000 00 
27,000 00 
20,145 00 
7,000 00 ^ 
8,750 00 | 
33,480 00 \ 
24,210 00 I 
10,000 00 J 



Loaned Thereon. 

$24,000 00 

24,000 00 

5,000 00 
15,000 00 

68,700 00 



52 



JETNA LIFE INSURANCE COMPANY. 



2,058 shares Willimantic Linen Co., 

45 " Adams Express Co., 

275 " Fartnington River Power Co., 

10 " Travelers 1 Insurance Co., 

16 " .Etna Fire Insurance Co , 

20 " .Etna Indemnity Co., . 

40 " Travelers' Insurance Co., 

400 " Willimantic Linen Co., 

50 " Hartford Carpet Co., 

169 " .Etna Fire Insurance Co., 

150 " United States Bank, . 

654 " Kellogg & Bulkeley Co., 

1,800 " Willimantic Linen Co., 

12 " Hartford Electric Light Co., 

50 " Hartford Steam Boiler Ins. Co., 

Bond and mortgage, . 

233 " Willimantic Linen Co., 

1,300 " Wheeler & Wilson MT g Co., 

281 " Willimantic Linen Co., 
Bond and mortgaore, . 

DC 1 

13 " .Etna Fire Insurance Co., 
2 " Conn. River R.R. Co., . 

10 " Russell & Erwin MT g Co., . 

2 " Collins Company, 

20 " ..Etna Fire Insurance Co , 

100 " Chic , Rock Is'd & Pacific R.R. Co. 

100 " Chic, Burl'n & Quincy R.R. Co., 

12 " N. Y., X. H. & Hartford R.R. Co. 

75 " J. B. Williams Co., 

20 " Chicago & Northwestern R.R. Co 

25 " Chic, Mil'kee & St. Paul R.R. Co, 



Schedule B. 



Market Value. 
$61,740 00 

6,975 00 

9,625 00 

2,550 00 

4,320 00 

2,000 00 

10,200 00 

12,000 00 ^ 

3,500 00 I 

45,630 00 [ 

52,500 00 I 

22,890 00 J 

54,000 00n 

1,440 00 

6,250 00 

8,000 00 

6,990 00 

26,000 00 

8,430 00 

3,000 00 

3,510 00 

500 00 

530 00 

230 00 

5,400 00 

9,000 00 

10,000 00 

2,220 00 

52,500 00 

2,500 00 

3,500 00 




105,363 31 



42,954 94 

3,800 00 

31,226 31 

2,000 00 

1,100 00 

4,200 00 
11,446 14 

1,700 00 
42,000 00 

5,000 00 



$701,465 00 $441,090 70 



Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

235 shares Connecticut River Banking Co., . ?20,365 00 $9,400 00 

75 " Metropolitan Bank (New York), 5,212 50 225 00 

918 " Phoenix Nafl Bank (Hartford), . 124,285 50 119,340 00 

400 " Mercantile Nat'l B'k (Hartford), 22,885 25 18,000 00 

448 " City National Bank (Hartford), . 60,900 75 47,040 00 

750 " Hartford Xat'l Bank (Hartford), 107,720 25 112,500 00 

773 " First National Bank (Hartford), 95,460 66 92,760 00 

1,552 " N'l Exchange B'k (Hartford), . 93,729 80 100,880 00 

1,632 " American Nat'l Bank (Hartford), 95,022 87 122,400 00 

377 " Farm. & Mech. NM B'k (Hartfd), 83,664 25 43,355 00 

66 " Suffield National Bank, . . 8,375 00 9,900 00 



-ETNA LIFE INSURANCE COMPANY. 



53 



Cost Value. Market Value. 

250 shares New Britain National Bank, . 828,450 00 $41,250 00 

836 " Charter Oak N'l B'k (Hartford), 97,572 25 79,420 00 

775 " iEtna National Bank (Hartford), 90,586 96 124,000 00 

240 " Hartford Trust Company, . . 25,065 00 36,000 00 

92 " United States Bank (Hartford), . 19,962 50 32,200 00 

200 " Rockville National Bank, . . 20,000 00 22,000 00 

100 " Security Company (Hartford), . 10,000 00 13,000 00 

100 " Home National Bank (Meriden), 13,375 00 13,500 00 

140 " Central Natl B'k (Peoria, 111.), . 15,400 00 15,400 00 

United States bonds, 1,344,395 28 1,439,000 00 

368 " Connecticut River R.R., . . 39,372 25 93,840 00 

84 " iEtna Fire Insurance, . . . 19,236 68 22,680 00 

2,842 " N. Y., N. H. & Hartford R.R., . 423,054 00 525,770 00 

Columbus & Indianapolis R.R. bonds, . . 45,000 00 51,000 00 

Union Pacific R.R. bonds 30,690 00 30,000 00 

Keokuk & Des Moines R R. bonds, . . . 22,033 20 17,220 00 

Atlantic Dock bonds, 25,000 00 26,500 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 25,000 00 29,250 00 

Vermont Valley R.R. bonds, .... 150,750 00 159,000 00 

410 shares Chicago, Burlington & Quincy R.R., 33,862 50 41,000 00 

220 " N. Y. Central & Hudson River R.R., 27,000 00 23,100 00 

230 " Union Pacific R.R., .... 21,625 00 5,980 00 

Terre Haute & Logansport R.R. bonds, . . 100,000 00 100,000 00 

Hartford & N. Y. Transportation Co. bonds, . 12,000 00 12,000 00 

250 shares Connecticut & Passumpsic R.R., . 25,250 00 26,250 00 

Chicago, Burl. & Quincy R.R. bonds, . . 1,100 00 1,100 00 

100 shares Chic , Milwaukee & St. Paul R R., 10,250 00 14,000 00 

100 " Chicago, R. I. & P. R R., . . 5,475 00 9,000 00 

100 " Chicago & Northwestern R R., . 9,000 00 12,300 00 

116 " Delaware & Hudson Canal Co., . 11,987 50 13,224 00 

N. Y., N. H. & H. R.R. debentures, . . . 631,288 75 725,000 00 

Middlesex Banking Co. debentures, . . 100 00 100 00 

Terre Haute & Peoria bonds, .... 25,375 00 25,000 00 

N. Y. & N. E. R.R. bonds, .... 200,000 00 239,100 00 

Connecticut River R.R. bonds, .... 18,400 00 19,320 00 

949 shares Travelers' Insurance Co., . . 213,222 50 241,995 00 

Springfield Street R.R. bonds, .... 100,000 00 105,000 00 

Hartford Street R.R. bonds, .... 130,000 00 133,900 00 

Hartford & Manchester Street R.R. bonds, . 11,000 00 11,000 00 

Conn. River Bridge & Highway Com. bonds, . 20,000 00 20,000 00 

Middletown & Portland Bridge Co. bonds, . 15,000 00 15,000 00 

Worcester & Suburban St. R.R. Co. bonds, . 25,000 00 26,250 00 

Governor's Foot Guard, Conn., bonds, . . 10,000 00 10,000 00 

Chicago & No. Shore St. R.R. bonds, . . 25,000 00 26,250 00 

City of Brantford bonds, 97,500 00 102,000 00 

Province of Manitoba bonds, .... 149,893 34 169,400 00 

Virginia State bonds, 23,357 94 19,665 00 

Tennessee State bonds, 25,100 00 22,590 00 



54 



.ETNA LIFE INSURANCE COMPANY. 



Mobile city bonds, 
Louisville city bonds, 
New Britain city bonds, . 
Plattsmouth (Neb.) city bonds 
London, Ont., city bonds, . 
New Boston cit}' bonds, . 
Jersey City city bonds, 
Ottawa city bonds, . 
Quincy city bonds, . 
Milwaukee city bonds, 
Cincinnati city bonds, 
St. Paul city bonds, . 
St. Paul (Neb.) city bonds, 
Webster city bonds, . 
Hull city bonds, 
Oxford city bonds, 
Lincoln city bonds, . 
Emporia city bonds, . 
Hartland city bonds,. 
Wymore city bonds, . 
Audubon city bonds, . 
Ness City city bonds, 
Russell city bonds, . 
Montreal harbor city bonds, 
Lincoln city bonds, . 
Coleman County bonds, . 
Quebec city bonds, . 
Stratford city bonds, . 
Toronto city bonds, . 
Winnfield city bonds, 
Wichita city bonds, . 
Quebec government bonds, 
Cimarron city bonds, 
David city bouds, 
Ellsworth city bonds, 
Superior city bonds, . 
Seneca city bonds, . 
Pratt city bonds, 
Burrton city bonds, . 
Lyons city bonds, 
Canton city bonds, . 
Norton city bonds, . 
Kingman city bonds, 
South Hutchinson city bonds, 
Loup City city bonds, 
Conway Springs city bonds, 
Douglass city bonds, 
Coolidge city bonds, 



Cost Value. 

1140,500 00 

89,750 00 

130,689 00 

23,000 00 

75,000 00 

2,500 00 
62,900 00 
133,000 00 
11,564 00 
30,500 00 
100,000 00 
52,350 00 
20,000 00 
15,000 00 
40,000 00 

9,800 00 
29,500 00 
10,500 00 
10,000 00 

5,000 00 

5,000 00 
11,875 00 

3,000 00 
60,000 00 
11,880 00 

6,000 00 
40,000 00 
21,000 00 
498,317 00 
10,000 00 
46,000 00 
207,500 00 
10,000 00 

6,300 00 
37,260 00 
13,000 00 

9,500 00 
12,900 00 
12,880 00 
32,200 00 

6,405 00 
16,400 00 

5,500 00 

3,500 00 

6,000 00 
13,000 00 
11,000 00 

9,700 00 



Market Value. 

$140,500 00 

120,000 00 

149,500 00 

23,460 00 

80,250 00 

2,500 00 

73,500 00 

150,290 00 

24,000 00 

34,650 00 

123,000 00 

66,000 00 

21,000 00 

15,750 00 

44,000 00 

10,000 00 

29,500 00 

10,500 00 

8,000 00 

5,000 00 

5,000 00 

12,500 00 

3,000 00 

68,400 00 

12,600 00 

6,180 00 

42,100 00 

23,100 00 

527,310 00 

10,000 00 

50,000 00 

232,400 00 

5,000 00 

7,000 00 

36,450 00 

13,000 00 

10,000 00 

12,000 00 

14,000 00 

31,500 00 

7,000 00 

17,000 00 

5,500 00 

1,750 00 

6,000 00 

13,000 00 

9,900 00 

7,760 00 



.ETNA LIFE INSURANCE COMPANY. 



55 



Johnson city bonds, . 
Englewood city bonds, 
Seward city bonds, . 
City of Alma bonds, . 
City of Orleans bonds, 
City of Hastings bonds, . 
Ford County bonds, . 
Macoupin County bonds, . 
Mason & Tazewell County bonds, 
Gallatin County bonds, 
Edward County bonds, 
Ellsworth County bonds, . 
Lyon County bonds, . 
Pawnee County bonds, 
Harper County bonds, 
Stafford County bonds, 
Hunt drainage district bonds, 
Ulysses city bonds, . 
Seward County bonds, 
Clay County bonds, . 
Hartford town bonds, 
Grant town bonds, . 
Urbana town bonds, . 
Meade County bonds, 
Gray County bonds, . 
Nickerson city bonds, 
Lakin township bonds, 
Iron wood city bonds, 
Meade Center township bonds, 
Jackson town bonds, 
Coaticook town bonds, 
Lake Fork tow r n bonds, 
Montrose County bonds, . 
Huntington County bonds, 
Las Animas County bonds, 
Goodland city bonds, 
Pawnee city bonds, . 
Greenfield city bonds, 
Dalles city bonds, 
Anthony city bonds, . 
Harper city bonds, . 
Beatrice city bonds, . 
Goldendale city bonds, 
Tipton city bonds, 
Keithsburg town bonds, 
Ross town bonds, 
Levis town bonds, 
Highland town bonds, 



Cost Value. 

$8,500 00 

4,000 00 

13,500 00 

8,122 50 

8,500 00 

54,000 00 

48,500 00 

78,800 00 

23,000 00 

4,103 74 

20,000 00 

23,000 00 

35,000 00 

25,000 00 

4,500 00 

5,000 00 

24,250 00 

9,500 00 

47,000 00 

24,125 00 

71,600 00 

5,000 00 

2,000 00 

23,000 00 

7,500 00 

9,500 00 

10,000 00 

10,000 00 

15,000 00 

9,900 00 

21,000 00 

11,000 00 

6,000 00 

750 00 

29,300 00 

9,000 00 

4,000 00 

594 60 

37,500 00 

19,000 00 

19,000 00 

10,000 00 

12,500 00 

4,580 00 

13,000 00 

10,944 00 

26,000 00 

10,000 00 



Market Value. 

$8,500 00 

4,000 00 

15,000 00 

9,000 00 

8,500 00 

60,000 00 

50,000 00 

85,104 00 

24,150 00 

4,103 74 

20,000 00 

23,000 00 

17,500 00 

25,000 00 

4,500 00 

5,000 00 

25,000 00 

5,000 00 

37,600 00 

25,000 00 

79,000 00 

5,250 00 

2,000 00 

18,400 00 

7,500 00 

9,500 00 

5,000 00 

10,500 00 

11,250 00 

10,000 00 

23,100 00 

11,000 00 

6,000 00 

750 00 

30,765 00 

9,000 00 

4,000 00 

594 60 

41,250 00 

20,000 00 

20,000 00 

10,000 00 

12,500 00 

4,580 00 

13,650 00 

11,491 20 

28,600 00 

10,000 00 



56 



^TNA LIFE INSURANCE COMPANY. 



Rock Creek town bonds, . 
Spras:ue town bonds, 
Province of Quebec town bonds, 
Mt. Forest town bonds, 
Pleasant town bonds, 
Hager Slough town bonds, 
Reeder town bonds, . 
Jefferson town bonds, 
Great Bend town bonds, . 
Cold Water town bonds, . 
AVild Cat town bonds, 
Fond du Lac town bonds, . 
Neodesha town bonds, 
Baxter Springs town bonds, 
Monroe township bonds, . 
Morton township bonds, . 
Henderson town bonds, . 
Lockridge town bonds, 
Stranger town bonds, 
Washington town bonds, . 
Rolling Prairie town bonds, 
Hayes town bonds, . 
McFadden town bonds, 
Leroy town bonds, . 
Tonganoxie town bonds, . 
Eagle township bonds, 
Valley Center township bonds, 
Richland township bonds, 
Little River township bonds, 
Victoria township bonds, . 
Liberty township bonds, . 
Burrton township bonds, . 
Green Garden township bonds 
Phillipsburg township bonds, 
Plum township bonds, 
Center township bonds, . 
Jefferson township bonds, 
Lake township bonds, 
Richland township bonds, 
Lincoln township bonds, . 
Elk Creek township bonds, 
Limestone township bonds, 
Ezbon township bonds, 
Grovel and township bonds, 
Banner township bonds, . 
Harrison township bonds, 
Valparaiso township bonds, 
Haynesville township bonds, 



Cost Value. 

$28,710 00 

40,133 33 

153,187 50 

20,000 00 

35,000 00 

2,000 00 
15,840 00 

6,000 00 

6,000 00 

10,000 00 

500 00 

10,000 00 

6,000 00 
20,500 00 
38,610 00 

8,550 00 

4,750 00 

7,600 00 

9,600 00 
45,700 00 
18,000 00 
17,575 00 

9,500 00 

7,600 00 
19,200 00 
13,800 00 

9,200 00 
12,040 00 
21,160 00 
20,240 00 

7,600 00 
23,920 00 
13,800 00 

9,150 00 
12,900 00 
41,860 00 

7,600 00 
17,480 00 
12,352 50 
13,800 00 

7,600 00 
13,725 00 

8,600 00 
13,760 00 
24,685 00 
18,000 00 

5,500 00 
17,100 00 



Market Value. 

$29,000 00 

42,000 00 

171,360 00 

22,000 00 

3,500 00 

2,000 00 
16,000 00 

6,000 00 

6,000 00 

10,500 00 

500 00 

10,500 00 

6,000 00 
20,500 00 
40,950 00 

9,000 00 

5,000 00 

8,000 00 
10,000 00 
51,750 00 
18,000 00 
19,000 00 
10,000 00 

8,000 00 
20,000 00 
15,000 00 
10,000 00 
14,000 00 
23,000 00 
22,000 00 

8,000 00 
26,000 00 
15,000 00 
10,000 00 
15,000 00 
45,000 00 

8,000 00 
19,000 00 
13,500 00 
15,750 00 

8,000 00 
15,000 00 
10,000 00 
16,000 00 
27,500 00 
20,000 00 

5,500 00 
19,000 00 



JETNA LIFE INSURANCE COMPANY. 



57 



Turkey Creek township bonds, 
May township bonds, 
Pleasant Valley township bonds, 
Antelope township bonds, 
Little Blue township bonds, 
Alma township bonds, 
Township G bonds, . 
Franklin township bonds, 
Township M bonds, . 
Township L bonds, . 
Township B bonds, . 
Brown township bonds, . 
New York township bonds, 
Baker township bonds, 
Henderson township bonds, 
Thayer township bonds, . 
Stewart township bonds, . 
Union township bonds, 
Bone Creek township bonds, 
Read township bonds, 
Olive township bonds, 
Oak Creek township bonds, 
Strornburg Village bonds, 
Village of Ord bonds, 
Bowen precinct bonds, 
Victor precinct bonds, 
Fairmount precinct bonds, 
Lincoln precinct bonds, . 
Center precinct bonds, 
Twin Grove precinct bonds, 
Madison precinct bonds, . 
Harvard precinct bonds, . 
Nova precinct bonds, 
Geneva precinct bonds, . 
Exeter precinct bonds, 
Ainsworth precinct bonds, 
School District, Kansas, bonds, 
School District, Nebraska, bonds, 
Spring Creek precinct school bonds 
Cedar Rapids school bonds, 
Ida Grove school bonds, . 
Glad Brook school bonds, 
South Bend school bonds, . 
Batavia school bonds, 
School District, Nebraska, bonds, 
Panora school bonds, 
School District, Kansas, bonds, 
Lebanon school bonds, 



Cost Value. 

$2,707 50 

4,061 25 

3,900 00 

4,512 50 

2,707 50 

5,866 25 

9,000 00 

6,300 00 

9,000 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

4,500 00 

4,500 00 

9,000 00 

5,400 00 

9,000 00 

9,000 00 

5,400 00 

5,400 00 

12,000 00 

4,000 00 

10,000 00 

15,000 00 

27,075 00 

1,800 00 

6,300 00 

9,000 00 

4,500 00 

16,500 00 

3,840 00 

13,500 00 

18,000 00 

8,000 00 

29,375 72 

17,900 00 

5,760 00 

14,000 00 

15,500 00 

1,000 00 

1,000 00 

10,000 00 

5,000 00 

500 00 

2,000 00 

16,000 00 



Market Value. 

$3,000 00 
4,500 00 
3,900 00 
5,000 00 
3,000 00 
6,500 00 

10,000 00 
7,000 00 

10,000 00 
5,000 00 

10,000 00 
6,000 00 

10,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 
6,000 00 

10,000 00 

10,000 00 
6,000 00 
6,000 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

30,000 00 
2,000 00 
7,000 00 

10,000 00 
5,000 00 

19,000 00 
4,000 00 

15,000 00 

20,000 00 
8,000 00 

27,375 72 

17,900 00 
6,000 00 

14,000 00 

16,275 00 
1,000 00 
1,000 00 

10,500 00 

5,000 00 

500 00 

2,000 00 

16,800 00 



58 



.ETNA LIFE INSURANCE COMPANY. 



Inlet Swamp drainage bonds, 

City of Victoria bonds, 

City of Ossawatomie bonds, 

Hamilton County bonds, 

City of Downs bonds, 

Beaver precinct bonds, 

Lincoln township bonds, 

Jefferson precinct bonds, 

City of Santa Fe bonds, 

Fargo township bonds, 

Stanton County bonds, 

Haskell County bonds, 

Lane County bonds, . 

Vancouver city bonds, 

St. Hyacinth e city bonds, 

Enterprise city bonds, 

Three Rivers city bonds, 

Sault Ste. Marie city bonds, 

Springfield city bonds, 

Gregg County bonds, 

Lincoln precinct bonds, 

Anthony township bonds, 

Spring township bonds, 

Grant township bonds, 

Sheridan township bonds, 

Ford township bonds, 

Valley township bonds, 

Young America township drainage bonds, 

Indian Grave drainage bonds, 

Nelson precinct bonds, 

Nichols precinct bonds, . 

North St. Paul village bonds, 

Atkinson village bonds, . 

Valentine village bonds, . 

Parkdale town bonds, 

City of St. Thomas bonds, 

Town of Windsor, Ontario, bonds, 

City of Kingston, Ontario, bonds, 

City of Bellville, Ontario, bonds, 

Superior city bonds, . 

Young America township drainage bond 

New Pankey Pond drainage bonds, 

Brocton drainage bonds, . 

Cote Sainte Antoine bonds, 

Town of Gault bonds, 

Province of New Brunswick bonds, 

City of St. John (X. B.) bonds, 

City of Hamilton (Province of Ont.) bonds, 



iCost Value. 

$7,200 00 

80,000 00 

20,000 00 

40,000 00 

29,100 00 

14,000 00 

3,300 00 

1,800 00 

4,500 00 

15,000 00 

11,700 00 

10,000 00 

33,000 00 

225,000 00 

30,000 00 

10,000 00 

32,500 00 

20,000 00 

16,000 00 

30,000 00 

6,720 00 

2,850 00 

12,350 00 

12,255 00 

690 00 

14,700 00 

2,375 00 

22,500 00 

34,369 39 

22,000 00 

7,000 00 

22,000 00 

7,000 00 

8,400 00 

74,847 74 

117,155 38 

99,533 03 

50,663 99 

50,000 00 

25,000 00 

6,960 00 

2,000 00 

5,000 00 

98,250 00 

49,125 00 

66,000 00 

49,375 00 

38,402 20 



Market Value. 
$7,200 00 

89,600 00 

20,000 00 

20,000 00 

30,000 00 

14,000 00 

4,000 00 

2,000 00 

4,500 00 

12,000 00 

12,000 00 

10,000 00 

33,000 00 

258,750 00 

31,500 00 

10,000 00 

35,750 00 

21,600 00 

4,000 00 

31,500 00 

7,000 00 

3,000 00 

13,000 00 

12,900 00 

690 00 

15,000 00 

2,500 00 

23,625 00 

29,600 33 

22,000 00 

7,000 00 

23,100 00 

7,350 00 

8,820 00 

78,590 13 

124,184 70 

107,495 67 

54,717 11 

54,000 00 

25,000 00 

6,960 00 

2,000 00 

5,000 00 

105,000 00 

52,500 00 

69,300 00 

51,500 00 

39,673 05 



.ETNA LIFE INSURANCE COMPANY. 



59 



City of Halifax bonds, 

City of Sherbrooke (Province of Que.) bonds, 

Roman Catholic school, Montreal, bonds, 

Protestant school, Montreal, bonds, 

Dickens County bonds, 

Lewis County bonds, 

Snohomish County bonds 

Tarrant County bonds, 

Orange County bonds, 

Duval County bonds, 

Coke County bonds, . 

Roanoke city bonds, . 

Shellsburg school bond, 

Prince Edward Island bonds, 

Town of Glastonbury bonds, 

Wapello County bonds, 

Warren County bonds, 

Cass County bonds, . 

Grant County bonds, 

Clark County bonds, 

Jackson County bonds, 

Birmingham city bonds, 

Stuart city bonds, 

Big Lake drainage bonds, 

Mason & Menard drainage bonds, 

Protestant Hospital for Insane bond 

Ainsworth precinct bonds, 

Arizona Territory bonds, 

Karnes County bonds, 

Bexar County bonds, 

Fort Bend bonds, 

Hamilton County bonds, 

Young County bonds, 

Peoria County bonds, 

Hartford city bonds, 

Province of Quebec bonds, 

Van Zandt County bonds, 

Peoria city bonds, 

Arizona Improvement Co. bonds, 

Riverside Water Co. bonds, 

Beaver Pond drainage bonds, . 

Town of West Toronto bonds, . 

City of Rockville bonds, . 

Nebraska & N. W. Irrigation Co. bonds, 

Hartford County bonds, . 

Cedar Rapids city warrants, 



Cost Value. 

$100,000 00 
72,750 00 
85,000 00 
200,687 60 
19,000 00 
25,750 00 
25,000 00 
50,210 00 

1,500 00 

4,100 00 

6,500 00 
10,500 00 

1,700 00 
97,250 00 

8,000 00 

9,400 00 
25,400 00 

4,000 00 
19,500 00 

4,000 00 

5,000 00 
25,000 00 

3,500 00 
41,000 00 

9,000 00 
74,000 00 
10,550 00 
130,000 00 
20,000 00 
50,000 00 
20,000 00 
12,000 00 
24,500 00 
10,800 00 

2,000 00 

94,899 67 

13,000 00 

167,800 00 

19,000 00 

225,000 00 

7,735 00 

107,000 00 

50,000 00 

41,000 00 

160,590 00 

15,247 52 



Market Value. 

$108,000 00 
76,500 00 
88,400 00 
213,150 00 
19,950 00 
26,250 00 
26,250 00 
52,500 00 

1,575 00 

4,305 00 

6,825 00 
10,000 00 

1,700 00 
103,000 00 

8,000 00 
10,000 00 
26,670 00 

4,000 00 
20,475 00 

4,120 00 

5,250 00 
20,000 00 

3,500 00 
43,050 00 

9,450 00 
79,920 00 
10,000 00 
136,500 00 
20,600 00 
51,500 00 
20,600 00 
12,600 00 
25,725 00 
11,340 00 

2,000 00 

108,000 00 

13,390 00 

176,190 00 

24,000 00 

250,000 00 

7,735 00 
90,950 00 
52,500 00 
21,700 00 
160,590 00 
15,247 52 



$13,074,717 89 $ 13,952,816 77 



60 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, I860.] 
Paid-up Capital, $150,000. 

TnoMAS W. Russell, President. Fred. V. Hudson, Secretary. 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, .... 
Dividends applied to pay running premiums, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, 



Total 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Premium notes or loans restored, 

Profit on securities sold, 

Profit and loss account, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



$54,685 55 

337,710 98 

8,087 07 

1,190 45 

8,454 00 



$410,128 05 
6.643 75 



$403,484 30 

145,426 53 

245 42 

8,832 48 

883 99 

2,179 73 

167 38 



$561,219 83 
2,854,899 76 



Total, $3,416,119 59 



Disbursements. 



Paid for losses, 

Paid for matured endowments, .... 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 



Net amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes or loans voided by lapse, 
Dividends paid policy holders, . 
Dividends applied to pay running premiums, 
Surrender values paid in cash, . 



$115,879 00 
24,448 32 



$140,327 32 
257 00 



$140,070 32 

75 12 

923 51 

60,447 37 

8,087 07 

104,773 52 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 



61 



Surrender values applied to pay running premiums, . . $ 1,190 45 
Surrender values applied to purehase paid-up insurance and 

annuities, 8,454 00 

Total paid policy holders, $324,021 36 

Cash paid for dividends to stockholders, 12,000 00 

for commissions and bonuses to agents (new pol- 
icies, $23,283.88; renewals, $17,376.80), . . 40,660 68 
for salaries and allowances to managers and agents, 14,943 74 

for medical examiner's fees, 4,488 50 

for salaries of officers and home office employees, 23,341 76 

for taxes on premiums, 1,655 24 

for taxes on investments, $2,728.39 ; on reserves, 

$848.76, 3,577 15 

for taxes on real estate, 4,985 99 

i'or fees, licenses, etc., 760 27 

for advertising, printing, postage, etc., . . . 15,949 21 

for legal expenses, 873 12 

for furniture and office fixtures, .... 2,533 89 

for real estate expenses (except taxes), . . 3,242 97 

for loss on sales of property, 127 42 

Profit and loss account, 1,216 95 



Total disbursements, $454,378 24 



Balance, $2,961,741 35 

Invested in the following : — 



Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' debit balances, 

Total, 

Deduct agents' credit balances, .... 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over book, . 
Reinsurance due from other companies, . 



$375,875 53 

1,850,879 21 

1,410 09 

135,077 10 

44,662 46 

474,291 72 

81 18 

78,635 03 

705 00 

147 03 



$2,961,764 35 
23 00 

$2,961,741 35 



54,120 82 

18,001 64 

6,000 00 



62 CONNECTICUT GENERAL LIFE INSURANCE COMPANY. 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $9,121 76 $10,417 25 

Deferred premiums on policies 

in force, 12,926 07 56,989 45 

Total, $22,047 83 $67,406 70 

Deduct loading (20 per cent.), . 4,409 57 13,481 34 

Net amount of uncollected and 

deferred premiums, . . $17,638 26 $53,925 36 

$71,563 62 

Total assets, per company's books, $3,110,427 43 

Items not admitted and Depreciation. 

Agents 1 debit balances, $147 03 

Bills receivable 705 00 

Depreciation from cost of real estate, . . 61,217 84 

Total, 62,069 87 

Total admitted assets, $3,048,357 56 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), . . . .$2,539,556 00 
Deduct net value of reinsured risks, 39,160 00 

Net reserve, $2,500,396 00 

Matured endowments due and unpaid, . . $10,531 00 
Death losses in process of adjustment, . . 21,533 00 

Total policy claims, 32,064 00 

Unpaid dividends of surplus due policy holders, . . . 1,347 54 

Premiums paid in advance, 1,364 22 

Contingent surrender values, 5,170 65 

Liabilities as to policy holders, $2,540,342 41 

Surplus as regards policy holders, . . . $508,015 15 

Paid-up capital, 150,000 00 

Surplus over capital, 358,015 15 

Gross liabilities, $3,048,357 56 

Premium Note Account. 
Premium notes on hand Dec. 31, 1896, . . $48,800 32 
rec'd during 1897 (old policies), 9,311 do 

restored by revival of policies, 883 99 

Total, $58,995 86 

Used in purchase of surrendered policies, . $1,126 00 

Voided by lapse, 923 51 

Used in payment of dividends to policy holders, 628 57 

Redeemed by maker in cash, .... 11,655 32 

Total, 14,333 40 

Balance note assets Dee. 81, 1897, $44,662 46 



CONNECTICUT GENEKAL LIFE INSURANCE COMPANY. 



63 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 4,541 $6,585,813 00 

Endowment, . . . 4,308 5,072,296 00 

All other, .... 31 101,875 00 

8,880 $11,759,984 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

936 $1,401,356 00 

497 617,684 00 

22 66,000 00 



1,455 2,085,040 00 



Whole life, 
Endowment, 



Old Policies revived. 

14 $29,500 00 

21 24,200 00 



35 



53,700 00 



Whole life, 
Endowment, 
All other, . 



Old Policies changed and increased. 



16 
2 
2 



$17,500 00 

4,650 00 

10,000 00 



20 



32,150 00 



Total, 10,390 $13,930,874 00 



Policies terminated during the Year. 

Whole life, ... 620 $957,478 00 

Endowment, ... 432 539,533 00 

All other, .... 12 42,500 00 







1,064 


$1,539,511 00 






How terminated. 


By death, . 


, . 


75 


$118,332 00 


maturity, 


. • 


22 


24,315 00 


expiry, . 


. 


3 


12,000 00 


surrender, . 


. • 


367 


498,693 00 


lapse, . 


. . 


359 


523,085 00 


change and decrease, . 


20 


68,000 00 


Not taken, 


Policie 


218 


295,086 00 




s in Force Dec. 31, 1897. 


Whole life, 


, . 


4,887 


$7,076,691 00 


Endowment, 


• • 


4,396 


5,179,297 00 


All other, . 


■ . 


43 


135,375 00 



1,064 1,539,511 00 



9,326 12,391,363 00 



64 CONNECTICUT GENERAL LTFE INSURANCE COMPANY. 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Mortgage loan, $500 00 

1 share Mudge Shoe Company, ... 100 00 

5 shares Pullman Palace Car Co., . . . 750 00 

5 shares Del. & Hudson Canal Co., . . . 550 00 



Loaned Thereon. 

|825 00 

85 09 

1,000 00 



11,900 00 |1,410 09 



Schedule B. 
Stocks and Bonds owned by the Company. 



233 shares N. Y., New Haven & Hart. R.R., 
100 " Minneapolis & St. Louis R.R., 
75 " Cleveland Terminal & Valley R.R 
40 " Fourth National Bank, N.Y., . 

216 " American National Bank, Hartford 

104 " Phoenix National Bank, Hartford, 
52 " Charter Oak N'l Bank, Hartford, 
70 " Hartford National Bank, 

100 " First National Bank, Hartford, 
20 " iEtna National Bank, Hartford, 
12 " Farmers' & Mech. N'l B'k, Hartford 
24 " City National Bank, Hartford, 
50 " Thames National Bank, Norwich, 
86 " Conn. Trust & Safe Deposit Co , 
50 " Security Company, Hartford, . 

100 " Northwestern Telegraph Co., 

Evansville, Ind., city bonds, 

Cleburne, Tex., city bonds, 

Oak Cliff, Tex., city bonds, 

San Antonio, Tex., city bonds, 

Weatherford, Tex , city bonds, 

Fort Worth, Tex., city bonds, 

Gainesville, Tex., city bonds, 

Greenville, Tex., city bonds, 

Superior, Wis., city bonds, 

Fremont, Neb , city bonds, 

Norwich, Kan., city bonds, 

Huron, So. Dakota, warrant, 

Mecklenburg County, N. C , bonds, 

Henderson County, N. C, bonds, 

Lyon County, Iowa, bonds, 

Cowley County, Kan., bonds, . 

Pawnee County, Kan., bonds, . 

Clallam County, Wash , bonds, 



Book Value. 

$27,593 03 
8,818 75 
1,290 00 
4,193 00 
13,538 00 
15,863 00 
6,700 00 
10,625 00 
13,978 25 
2,373 50 
2,250 67 
2,790 00 
6,850 00 
8,428 00 
4,750 00 
5,200 00 
16,353 95 
7,070 00 
8,822 50 
11,050 00 
10,200 00 
4,950 00 
5,150 uO 
6,175 00 
9,800 00 
2,030 00 
2,100 00 
1,500 00 
10,610 00 
10,900, 00 
5,000 00 
10,250 00 
6,000 00 
5,000 00 



Market Va'uc. 

$ 12,639 00 
8,800 00 
750 00 
7,800 00 
15,120 00 
13,000 00 
4,784 00 
9,800 00 
11,200 00 
2,800 00 
1,344 00 
2,496 00 
7,500 00 
14,190 00 
6,000 00 
5,500 00 
16,320 00 
8,050 00 
8,840 00 
11,500 00 
10,700 00 
5,000 00 
5,850 00 
5,650 00 
10,000 00 
2,000 00 
2,400 00 
1,200 00 
11,300 00 
11,400 00 
2,500 00 
11,200 00 
5,600 00 
5,000 00 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 65 



Skagit County, Wash , bonds, . 

Colbert County, Ala., bonds, . 

Silver Bow County, Mont., bonds, 

Oxford township, Kan., bonds, . 

Winston township, N. C, bonds, 

Todd County, Minn , School District bonds, 

Colorado State warrants, . 

Arizona territorial bonds, . 

Louisville & Nashville R.R. bonds, . 

Terre Haute & Logansport R.R. bonds, 

Cleveland Terni'l & Valley R R. bonds, 

N. Y., N. H & H. deb. certificates, 

Pekin & La Marsh, Illinois, bonds, 

Mason & Tazewell, Illinois, bonds, 

Wildcat, Champaign Co., 111., bonds, 

Lima Lake, Illinois, bonds, 

Indian Grave, Illinois, bonds, . 

Big Lake, Illinois, bonds, 

Clay County, Minn., bonds, 

Southwestern Irrigation Co. bonds, 

Garden City Irrigation Co bonds, 

Arizona Improvement Co. bonds, 

Arizona Canal Co. bonds, . 

Denver Union Water Co bonds, 

Anderson, Indiana, Elect. St. Railway bonds, 



Book Value. 

$5,350 00 

5,362 50 

10,250 00 

5,000 00 

10,700 00 

1,600 00 

10,997 07 

15,000 00 

10,650 00 

10,000 00 

5,000 00 

9,454 00 

5,075 00 

5,346 50 

15,375 00 

13,000 00 

5,044 00 

9,270 00 

11,375 00 

5,000 00 

5,500 00 

4,750 00 

10,000 00 

14,000 00 

5,000 00 



Market Value. 

$5,500 00 

5,600 00 

10,200 00 

5,600 00 

10,700 00 

1,632 00 

10,942 36 

15,300 00 

10,650 00 

10,000 00 

3,900 00 

13,536 00 

5,100 00 

5,500 00 

15,900 00 

14,170 00 

5,200 00 

9,630 00 

12,500 00 

2,500 00 

2,500 00 

3,750 00 

7,500 00 

11,250 00 

5,000 00 



$474,291 72 $492,293 36 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846] 

Jacob L. Greene, President. Edward M. Bunce, Secretary. 



Income. 

Received for premiums on new policies, ..... $ 332,891 94 

Received for renewal premiums, 3,144,835 79 

Dividends applied to pay running premiums, . . . . 1,093,661 67 

Surrender values applied to pay running premiums, . . 32,398 26 
Surrender values applied to purchase paid-up insurance and 

annuities 139,622 38 

Total premium income, $4,743,410 04 

Received for interest, 2,855,398 23 

as discount on claims paid in advance, . . . 2,155 81 

for rents of company's property, .... 295,490 43 



66 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 

Premium notes or loans restored, $ 1,1 13 00 

Profit on securities sold, 65,289 82 



Total income, $7,962,857 33 

Net or ledger assets Dec. 31, 1896, 60,981,67161 



Total $68,944,528 94 

Disbursements. 

Paid for losses $4,053,515 23 

Paid for matured endowments, 403,317 00 



Gross amount paid for losses and endowments, . . $4,456,832 23 

Premium notes or loans voided by lapse, .... 2,030 00 

Cash dividends paid policy holders, 190,819 81 

Cash dividends applied to pay running premiums, . . 1,093,661 67 

Surrender values paid in cash, 423,196 12 

applied to pay running premiums, . . 32,398 26 
applied to purchase paid-up insurance and 

annuities, 139,622 38 



Total paid policy holders $6,338,560 47 

Cash paid for commissions and bonuses to agents (new poli- 
cies, $87,771.60; renewals, $264,559.14), . . 352,330 74 
for salaries and allowances to managers and agents, 23,999 82 

for medical examiner's fees, 22,360 54 

for salaries of officers and home office employees, 150,206 46 
for taxes on new premiums, $2,827.90; on re- 
newals, $25,451.17, 28,279 07 

for taxes on investments, $151,415.01 ; on reserves, 

$10,947.15, 162,362 16 



for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, 
for legal expenses, .... 
for real estate expenses (except taxes), 
for incidentals, 



148,372 53 

7,924 67 

6,523 02 

87,271 83 

15,185 72 

156,834 27 

35,767 26 



Total disbursements, $7,535,978 56 



Balance, $61,408,550 38 

Invested in the following: — 

Assets as per Ledger Accounts. 

Cost of real estate, $9,840,914 84 

Loans on mortgages of real estate (first liens), . . . 33,045,673 68 
Loans on collateral security (schedule A), .... 2,30000 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 67 

Premium notes or loans on policies in force, .... #983,315 72 

Cost value of stocks and bonds owned (schedule B), . 16,398,178 41 

Cash deposited in bank, 1,135,965 53 

Bills receivable, 4,619 17 



Total, 161,410,967 35 

Deduct agents' credit balances, 2,416 97 



Total net or ledger assets, as per balance, . . $61,408,550 38 

Other Assets. 

Interest due and accrued, 1,029,649 71 

Rents due and accrued, 15,962 49 

Market value of stocks and bonds over cost, .... 771,77027 

Jsew Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $20,987 88 $62,363 56 

Deferred premiums on policies 
in force, 35,326 12 279,733 27 



Total, $56,314 00 $342,096 83 

Deduct loading (20 per cent.), . 11,262 80 68,419 37 



Net amount of uncollected and 

deferred premiums, . . $45,051 20 $273,677 46 



318,728 66 



Total assets, per company's books, .... $63,544,661 51 

Items not admitted. 
Bills receivable, 4,619 17 



Total admitted assets, $63,540,042 34 

Deduct special deposits in other States, 100,000 00 



Balance, $63,440,042 34 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $53,291,017 00 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy holders, . . . 699,405 45 
Premiums paid in advance, 34,176 02 



$58,272 50 

10,737 00 
208,464 00 

63,500 00 
340,973 50 



68 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 

Contingent surrender values, $229,100 00 

All other liability, 1,633,053 00 

Liabilities as to policy holders, $56,227,724 97 

Deduct liabilities on special deposits, 100,000 00 

$56,127,724 97 
Surplus as regards policy holders, 7,312,317 37 

Gross liabilities, $63,440,042 34 

Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $1,065,427 28 

Premium notes restored by revival of policies, 1,113 00 

Total, $1,066,540 28 

Used in payment of losses and claims, . $23,624 40 

Used in purchase of surrendered policies, . 8,109 13 

Voided by lapse, 2,030 00 

Used in payment of dividends to policy holders, 37,984 24 

Redeemed by maker in cash, .... 11,476 79 

Total, 83,224 56 

Balance note assets Dec. 31, 1897, . . . • . . $983,315 72 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 60,372 $143,993,508 00 
Endowment, . . . 5,803 12,526,718 00 
All other, .... 266 902,400 00 

66,441 $157,422,626 00 

Policies issued during the Year. 

Whole life, . . . 2,988 $8,112,757 00 
Endowment, ... 550 1,133,215 00 
All other, .... 358 1,156,000 00 

3,896 10,401,972 00 

Old Policies revived. 

Whole life, ... 31 $87,300 00 

Endowment, ... 3 3,000 00 

34 90,300 00 

Old Policies changed and increased. 

Whole life, ... - $42,080 00 

Endowment, • - 3,009 00 

All other, .... 3 10,000 00 

3 55,089 00 

Total, 70,374 $167,969,987 00. 



THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 69 



Policies terminated during the Year. 

Number. Amount. Total No. 

Whole life, . . . 3,131 $8,653,852 00 
Endowment, ... 394 1,055,248 00 

All other, .... 144 559,500 00 



Total Amount. 





3,669 


$10,268,600 00 




How terminated. 


By death, . 


1,692 


$4,244,846 00 


maturity, 


195 


401,129 00 


surrender, . 


627 


1,280,669 00 


lapse, . 


948 


2,365,100 00 


change and decrease, 


3 


1,361,356 00 


Not taken, . 


204 


615,500 00 



3,669 $10,268,600 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, IS 97. 

. 60,260 $143,581,793 00 
. 5,962 12,610,694 00 
483 1,508,900 00 
66,705 



157,701,387 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Loaned Thereon. 

$3,111 00 $2,300 00 






17 shares N. Y., N. H. & Hartford R.R. Co., . 

Schedule B. 

Slocks and Bonds owned by the 

130 shares First National Bank, Hartford, 

25 ' 

294 ■ 

10 * 

80 * 

40 ' 

300 • 

400 ' 

2,000 • 

500 ■ 

835 ' 



1 iEtna National Bank, Hartford, 

1 Phoenix National Bank, Hartford 

' Charter Oak N'l Bank, Hartford 

' City Bank, Hartford, . 

1 State Bank, Hartford, . 

' Ct. Trust & Safe Dep't Co., Har'd 

' N Y., N. H. & Hartford R.R., 

' Conn. & Passumpsic Rivers R.R. 

' Massawippi Valley R.R., 

' Detroit, G'd Rapids & West R R. 

State of Tennessee bonds, 

City of Jackson, Mich., bonds, . 

City of Louisville, Ky., bonds, . 

City of Mobile, Ala., bonds, 

City of Milwaukee, Wis., bonds, 

City of Quincy, 111., bonds, 



Company. 

Cost Value. 

$13,000 00 

2,500 00 

40,710 25 

1,055 00 

8,000 00 

4,195 00 

30,000 00 

40,493 75 

200,000 00 

50,000 00 

83,550 16 

198,450 00 

27,000 00 

125,339 06 

87,500 00 

133,000 00 

115,521 22 



Market Value. 

$14,560 00 

3,500 00 

36,162 00 

930 00 

8,160 00 

4,080 00 

49,500 00 

73,200 00 

200,000 00 

50,000 00 

16,710 03 

196,184 00 

30,000 00 

141,225 00 

83,125 00 

151,800 00 

115,000 00 



70 THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 



City of Galveston, Tex., bonds, 

City of Austin, Tex., bonds, 

City of Denver, Col., bonds, 

City of Montreal bonds, . 

City of Muncie, Ind., bonds, 

City of Omaha bonds, 

City of San Antonio, Tex , bonds, 

City of Duluth, Minn., bonds, . 

City of St. Paul, Minn., bonds, . 

City of Pueblo, Colo., bonds, . 

City of Seattle, Washington, bonds, 

County of Leavenworth, Kan., bonds, 

County of Hancock, O., bonds, 

County of Wyandotte, Kan., bonds, . 

Province of Quebec currency, . 

Brooklyn Wharf and Warehouse Co. bonds, 

Long Dock Co. bonds, .... 

Baltimore & Ohio R.R. bonds, . 

Clev., Cinn., Chic. & St. Louis R R. bonds, 

Chesapeake & Ohio R R. bonds, 

Chic, Burl. & Quincy R R. bonds, . 

Chicago, St Louis & New Orleans R.R. bonds 

Chicago & Western Indiana R R. bonds, . 

Chic , Mil. & St. Paul R.R. bonds, . 

Chicago & Erie R.R. bonds, 

Central Union Depot & R 1 }' Co., Cinn., bonds 

Dayton & Michigan R.R bonds, 

Detroit, Grand Rapids & West'n R R. bonds, 

Easton & Amboy R.R. bonds, . 

Erie R.R. bonds, 

Harlem River & Port Chester R.R. bonds, 

Lehigh Valley R.R. bonds, 

Manhattan R'y Co. bonds, 

Michigan Central R.R. bonds, . 

N. Y. & Greenwood Lake R'y Co. bonds, 

N. Y., Lake Erie & Western R.R. bonds, . 

N. Y., New Haven & Hartf d R.R. debentures 

Northern Pacific R.R. bonds, . 

Philadelphia & Reading R.R. bonds, 

Port Reading R.R. bonds, . 

St. Louis Cable & Western R.R. bonds, 

St. Paul & Northern Pacific R.R. bonds, 

St. Joseph Terminal R.R bonds, 

Terminal Railway Assoc'n of St. Louis bonds 

Vermont Valley R R. bonds, . 

Wabash R.R. consols 

West Jersey & Sea Shore R R. consols, 



Cost Valoe. 

|100,000 00 

39,000 00 

56,280 00 

100,031 25 

15,468 7:> 

100,825 00 

31,800 00 

133,125 00 

132,370 00 

79,312 50 

206,000 00 

99,580 00 

72,722 50 

86,437 50 

15,468 75 

613,975 00 

391,607 50 

269,375 00 

583,502 68 

414,606 25 

124,233 05 

776,562 50 

1,266,026 92 

320,712 08 

543,946 39 

250,000 00 

210,575 00 

82,972 00 

273,125 00 

223,009 72 

450,000 00 

1,567,735 17 

693,750 00 

526,193 75 

3 )6,000 00 

198,574 42 

15,817 25 

702,276 31 

1,126,750 00 

253,300 00 

107,325 00 

374,002 50 

350,000 00 

336,250 00 

301,500 00 

153,739 23 

102,000 00 



Market Value. 
$100,000 00 

40,000 00 

56,000 00 
100,000 00 

15,000 00 
160,300 00 

33,300 00 
133,125 00 
139,810 00 
"81,000 00 
200,000 00 
100,000 00 

71,000 00 
000 00 

15,000 00 
580,500 00 
443,360 00 
272,500 00 
613,705 00 
419/225 00 
117,150 00 
915,000 00 
1,285,085 00 
357,750 00 
550,000 00 
250,000 00 
221,400 00 

64,120 65 
267,500 00 
227,500 00 
463,500 00 
1,667,810 00 
705,000 00 
575,500 00 
315,000 00 
213,900 00 

22,752 00 
783,750 00 
1,261,000 00 
253,800 00 
109,890 00 
410,210 00 
350,000 00 
378,000 00 
330,000 00 
150,870 00 
100,500 00 



$16,398,178 41 $17,169,94? 6S 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 71 



"THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859.] 

Paid-up Capital, $100,000. 

Henry B. Hyde, President. William Alexander, Secretary. 

Income. 

Received for premiums on new policies, 84,192,069 43 

Received for renewal premiums, 30,722,853 78 

Dividends applied to purchase paid-up additions and annuities, 668,042 49 
Surrender values applied to purchase paid-up insurance and 

annuities, 2,082,425 00 

Received for annuities, 898,886 12 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 

Received for interest, 

Received for rents of company's property, 
Profit and loss account, .... 



Total income, . 
Net or ledger assets Dec. 31, 1896, . 



$38,564,276 82 
1,003 17 



$38,563,273 65 

. 8,031,541 36 

. 1,863,149 63 

114,304 89 



$48,572,269 53 
208,679,996 14 



Total, 



$257,252,265 67 






Disbursements. 

Paid for losses and additions, $11,658,139 55 

for matured endowments and additions, .... 1,112,484 49 
• on matured instalment policies, 65,314 03 

Gross amount paid for losses and endowments, . $12,835,938 07 

Paid to annuitants, 515,692 00 

Cash dividends paid policy holders, 1,675,853 74 

Cash dividends applied to purchase paid-up additions and 

annuities, 668,042 49 

Surrender values paid in cash, 3,328,362 84 

Surrender values applied to purchase paid-up insurance and 

annuities, 2,082,425 00 

Total paid policy holders, $21,106,314 14 

Cash paid for dividends to stockholders, 7,000 00 

for commissions and bonuses to agents (new poli- 
cies, $2,079,450.81 ; renewals, $1,994,448.89), . 4,073,899 70 
for salaries and allowances to managers and agents, 375,879 24 
for medical examiner's fees and inspections, . . 327,732 06 



72 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. 8. 



Cash paid for salaries of officers and home office employees, 
for taxes on premiums, 
for taxes on reserves, etc 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for commuting commissions, 
for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 



Total disbursements, . 
Contingent guarantee fund, 

Balance, 



$628,931 90 

196,088 49 

16,233 63 

-,089 89 

27,152 30 

356,444 78 

899,201 09 

477,238 12 

144,472 59 

4,444 23 

554,600 98 

159,554 47 

129,643,277 61 
. 3,500,000 00 



$224,108,988 06 



Invested in the following 



Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank and trust companies, . 
Agents 1 balances, ....... 

Commuted commissions, . . . . . 



Total net or ledger assets, as per balance, 



$40,413,270 41 

. 36,175,726 10 

. 12,051,800 00 

118,234,746 07 

63,354 94 

. 16,204,468 89 

459,058 67 

506,562 98 

$224,108,988 06 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over book, . 



2.075,621 50 % 
170,618 55 
5,839,137 93 



New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $965,449 00 $2,207,509 00 

Deferred premiums on policies 

in force, 196,422 00 2,231,642 00 



Total, $1,161,871 00 $4,439,151 00 

Deduct loading (20 per cent.),. 232,374 20 887,830 20 

Net amount of uncollected and 

deferred premiums, . . $929,496 80 $3,551,320 80 



Total assets, per company's books, . 



4,480,817 60 
$236,675,183 64 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 73 



Items not admitted. 

Commuted commissions, $506,562 98 

Agents' balances, 459,058 67 



Total, $965,621 65 



Total admitted assets, $235,709,561 99 

Deduct special deposits in other States, 15,482,582 00 



Balance, $220,226,979 99 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $184,181,865 00 

Present value of unpaid instalments, 136,875 00 

Death losses due and unpaid, .... $143,546 25 
Matured endowments due and unpaid, . . 135,870 41 
Death losses in process of adjustment, . . 1,524,068 73 
Claims resisted by the company, . . . 64,725 00 

Due and unpaid on annuity claims, . . . 41,753 81 



Total policy claims, 1,909,964 20 

Unpaid dividends of surplus due policy holders, . . . 94,756 00 



Liabilities as to policy holders, $186,323,460 20 

Deduct liabilities on special deposits, 15,381,753 00 



$170,941,707 20 
Surplus as regards policy holders, . . . $49,285,272 79 

Paid-up capital, 100,000 00 

Surplus over capital, 49,185,272 79 



Gross liabilities, $220,226,979 99 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 242,750 $750,277,533 00 
Endowment, . . . 47,533 152,947,515 00 
All other, .... 3,436 5,447,779 00 
Reversionary additions, . - 6,429,243 00 

293,719 $915,102,070 00 

Policies issued during the Year. 

Whole life, . . . 38,805 $114,486,214 00 
Endowment, . . . 11,137 34,196,666 00 
All other, .... 999 2,391,118 00 

50,941 151,073,998 CO 



74 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U S. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 

Total, . 



Old Policies revived. 

Number. Amount. Total No. 

1,026 83,837,600 00 
262 906,885 00 
10 28,000 00 
1,298 



Total Amount 



£4,772,485 00 
1,109,210 00 



345,958 01,072,057,763 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

. 29,310 $95,664,198 00 

. 6,424 22,416,490 00 

604 2,811,238 00 





36,3681120,891,926 00 




How terminated. 


By death, . 


3,374 


$12,046,194 00 


maturity, 


302 


1,183,054 00 


expiry, . 


180 


492,800 00 


surrender, . 


10,252 


34,381,268 00 


lapse, . 


14,003 


37,489,661 00 


change and decrease, 


- 


1,966,659 00 


Not taken, . 


. 8,257 


33,332,290 00 



36,368 120,891,926 00 



Policies in Force Dec. 31, 1897. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



. 253,241 § 772,937,149 00 

. 52,508 165,634,576 00 

. 3,841 6,150,015 00 

- 6,444,097 00 



309,590 951,165,837 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Westinghouse Electric & Mfg. Co. stock, . $131,875 00 

United Elec. Light & Power Co. bonds, . . 540,000 00 

Baltimore, Chesapeake & Atlantic Ry. bonds,. 1,000,000 00 

Mercantile Trust Co. stock, .... 22,350 00 

Wheeling & Lake Erie stock 200 00 

National Bank, Denver, stock, .... 312,500 00 

Pittsburgh & Western Ry. bonds, . . . 112,500 00 

Pittsburgh & Western Ry. Co. bonds, . . 37,500 00 

United States Express Co. stock, . . . 30,000 00 



Loaned Thereon. 

$100,000 00 
525,000 00 
900,000 00 

9,800 00 

250,000 00 
90,000 00 

50,000 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. O 



Western Union Telegraph stock, 
Pennsylvania RR. bonds, . 
American Sugar stock, 

Erie bonds, 

Western National Bank stock, . 

St. Louis & Iron Mountain R R. bonds, 

Missouri Pacific R R. bonds, 

Chesapeake & Ohio R R. bonds, 

Chicago, Milwaukee & St. Paul RR. bonds, 

Cinn., Ind., St. Louis & Chicago R.R. bonds, 

Manhattan Elevated R.R. stock, 

Brooklyn & Newtown R.R. stock, . 

Western Union Telegraph stock, 

Baltimore & Ohio R.R. stock, . 

United States Express Co. stock, 

Baltimore & Ohio Southwestern R.R. bonds, 

Fairmont, Morgantown & Pitts'gh R.R. bonds 

Union Stock Yard bonds, . 

Oregon Short Line R.R. bonds, 

Ohio & Mississippi Extension bonds, 

New York city bonds, 

Oregon R.R. & Navigation Co. bonds, 

Northwest bonds, 

Niagara Falls & Lewiston R.R. bonds, 

Great Northern R.R. stock, 

Erie & Western R.R. stock, 

Tennessee Coal & Iron stock, 

Northern Pacific R.R. bonds, 

Reading bonds, . 

Brooklyn gas bonds, 

Indiana, Bloomington & Western R.R. bonds 

Chesapeake & Ohio R.R. bonds 

Brooklyn Gas Co. stock, . 

Rock Island R.R. stock, . 

Union Pacific bonds, . 

Oregon RR. & Navigation Co. stock, 

Norfolk & Southern R.R stock, 

Northern Pacific R.R. stock, 

Great Northern Trust bonds, . 

Union Pacific certificates, . 

Atchison bonds, .... 

Rio Grande Western R.R. bonds, 

Ohio Southern bonds, 

Pittsburg & Western bonds, 

Norfolk & Western bonds, 

Great Northern bonds, 

Edison Elec. Illuminating Co , N. Y., stock, 

Rensselaer & Saratoga R R. stock, . 



j. 800,000 00 



Market Value. Loaned Thereon. 

$109,500 00 ^ 

11,500 00 | 

14,037 00 ! 
3,575 00 

58,344 00 

47,250 00 j, | 

13,400 00 

16,400 00 

18,460 00 
5,025 00 

67,200 00 
570,000 00. 
821,250 001 

48,563 00 

24,000 00 

49,500 00 

10,000 00 

30,000 00 
177,320 0(T 
337,620 00 
294,250 00 I 
106,305 00 I 
309,320 00 j 
921,500 00 
254,600 00>i 

35,500 00 

26,000 00 

33,855 00 
860 00 

33,525 00 
2,140 00 
1,640 00 , 

59,000 00 

36,400 00 

34,200 00 
6,950 00 

12,000 00 

88,875 00 

24,625 00 J 
2,528,900 00 ) 
243,440 00 

82,750 00 

78,400 00 

51,350 00 J. 

45,820 00 
159,570 00 

78,437 00 
352,000 00 d 



1,000,000 00 
760,000 00 



500,000 00 



76 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



Pittsburgh, Cleveland & Toledo R.R. bonds, 

Union Stock Yard bonds, .... 

Southern Pacific, California, bonds, . 

Texas & New Orleans bonds, . 

Galveston, Harrisburgh & San Antonio bonds 

Austin & Northwest bonds, 

Southern Pacific, Arizona, bonds, 

Illinois Central R.R. bonds, 

Wells, Fargo & Co. Express stock, . 

St. Louis & Iron Mountain R.R bonds, . 

Evansville & Terre Haute R R. stock, 

Louisville, Evansville & St. Louis R.R. bonds 

United States Illuminating Co. bonds, 

Missouri Pacific R.R. bonds, 

St. Louis & Iron Mountain R.R. bonds, . 

Erie bonds, 

Buffalo, New York & Erie bonds, . 
Morris & Essex construction bonds, 
Syracuse, Binghamton & New York bonds, 
Cinn., Indi., St. Louis & Chicago R.R. bonds, 
American Surety Co. stock, 
Ordnance stock, .... 
Rock Island stock, .... 
Cleve., Cinn., Chic. & St. Louis stock, 
Delaware & Hudson Canal stock, 
Illinois Central R.R. stock, 
Michigan Central R.R. stock, . 
Peoples' Gas stock, .... 
Remington Arms M'fg Co. stock, . 
Western National Bank stock, . 
Westinghouse Elec. & M'f'g Co. stock, 

Erie Coal bonds 

Illinois Central R R bonds, 

Baltimore & Ohio equipment bonds, 

Baltimore & Ohio certificates, . 

Albany & Susquehanna R.R. stock, . 

Ohio Southern certificates, 

Union Pacific, Atchison & Pike's Peak bonds, 

Metropolitan Traction Collateral Trust bonds, 



Loaned Thereon. 

$325,000 00 



250,000 00 



165,000 00 
20,000 00 



Market Value. 

$ 350,000 00 ) 
150,000 00 \ 

45,750 (Xh 

48,500 00 

45,500.00 

22,000 00 j> 

25,500 00 j 

56,750 00 j 
112,000 00 J 
202.400 00 

23,325 00 ) 
880 00 S 

85,100 00 > 

20,100 00 

36,750 00 
7,150 00 

28,100 00 

14,100 00 

12,500 00 

10,050 00 

85,000 00 

50,000 00 

36,400 00 
8,000 00 

11,200 00 

20,700 00 

.20,600 00 

9,650 00 

360,000 00 

39,600 00 
103,917 00 

10,600 00 J 
1,196,050 00 >| 

68,000 00 
193,865 00 I 

315,000 00 [ 2,000,000 00 
108,120 00 
281,250 00 
240,090 00 J 



} 600,000 00 



$14,976,578 00^12,051,800 00 



Schedule B. 
Slocks and Bonds owned by the Company. 

Book Value. Market Value. 

Pennsylvania R R. stock, $271,41100 £291,337 00 

Cleveland, Cin., Chic, and St. Louis stock, . 1,492,481 00 1,191,500 00 

Chicago, Rock Island & Pacific R R. stock, . 460,900 00 495,000 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 77 



Missouri Pacific R.R. stock, 

Michigan Central R.R. stock, . 

Illinois Central R R. stock, 

St. Paul, Minn. & Manitoba R.R. stock, . 

Baltimore & Ohio R.R. stock, . 

Rome, Watcrtown & Ogdensburg R.R. stock, 

Delaware & Hudson Canal stock, . 

Lake Shore & Michigan Southern R R. stock, 

Oregon R.R. & Navigation Co. stock, 

New York Central R.R. stock, . 

Mercantile Trust Co. stock, 

Western Union Telegraph Co. stock, 

Western National Bank stock, . 

Westinghouse Electric & Mfg. Co. stock, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Atlantic Avenue RR. bonds, . 

Broadway & Seventh Avenue R.R. bonds, 

Broadway Surface R R. bonds, 

Brooklyn City & Newtown R R. bonds, . 

Baltimore & Ohio R.R bonds, . 

Newark, Somerset & Straitsville R.R. bonds, 

Sandusky, Mansfield & Newark R.R. bonds, 

Pittsburgh & Western R R. bonds, . 

Pittsburgh, Painesville & Fairport bonds, 

St. Paul R.R. bonds, 

Chicago, Burlington & Quincy R R. bonds, 

Northwest R.R. bonds, .... 

Columbus, Sandusky & Hocking certificates, 

Central of Georgia R.R. bonds, 

Central of New Jersey R.R. bonds, . 

American Dock & Improvement Co. bonds, 

Columbus & Ninth Avenue R.R. bonds, . 

Chic, St. Paul, Minn. & Omaha R.R. bonds, 

Chic, St. Paul & Minneapolis R.R. bonds, 

Chicago & Alton R R. bonds, . 

Chicago, Rock Island & Pacific R.R bonds, 

Chicago & Eastern Illinois R.R. bonds, . 

Canada Southern R.R. bonds, . 

Cleveland, Cinn., Chic. & St. Louis R.R. bonds 

Cleveland, Col., Cinn. & Ind. R.R. bonds, 

Indianapolis & St. Louis R R. bonds, 

Cinn , Ind., St. Louis & Chicago R R bonds, 

Central Park, North & East River bonds, 

Chesapeake & Ohio R.R. bonds, 

Albany & Susquehanna R R. bonds, 

New York & Canada bonds, 

Delaware & Hudson R.R. bonds, 

Morris & Essex R R. bonds, 



Book Value. 

$725,607 00 
817,448 00 

1,132,018 00 
269,302 00 

1,171,064 00 
312,057 00 
921,120 00 
201,957 00 
49,000 00 
700,625 00 

2,176,964 00 
398,324 00 

1,247,374 00 
247,423 00 
625,656 00 
514,512 00 
268,356 00 
104,413 00 
349,000 00 
716,000 00 
112,612 00 
156,251 00 
783,093 00 
146,500 00 

3,696,755 00 
10,570,996 00 

8,222,847 00 
250,000 00 

1,939,679 00 
165,561 00 
203,799 00 
342,633 00 

1,041,728 00 

180,422 00 

82,500 00 

2,098,444 00 
23,150 00 

1,249,132 00 

1,236,410 00 
962,714 00 
171,625 00 
390,583 00 
111,834 00 

1,775,459 37 

2,172,008 00 
450,000 00 
485,947 00 

1,468,667 00 



Market Value. 

f 527, 000 00 
808,000 00 

1,130,812 00 
292,800 00 
219,225 00 
353,075 00 
826,025 00 
238,000 00 
170,275 00 
690,625 00 

5,890,992 00 
419,750 00 

1,446,403 00 
259,375 00 
663,750 00 
484,428 00 
276,263 00 
103,500 00 
392,625 00 
730,320 00 
112,612 00 
156,251 00 
770,000 00 
147,000 00 

3,927,134 00 
10,504,542 00 

8,849,688 00 
250,000 00 

2,049,750 00 
155,243 00 
204,955 00 
359,519 00 

1,236,185 00 

179,310 00 

81,750 00 

2,091,163 00 
22,500 00 

1,203,261 00 

1,257,831 00 

1,049,530 00 
195,937 00 
399,500 00 
110,459 00 

1,891,833 00 

2,128,235 00 
446,625 00 
476,606 00 

1,568,417 00 



78 THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 



N. Y , Lackawanna & Western R.R. bonds, 
N. Y., Lake Erie & Western R R. bonds, 

Long Dock bonds, 

Jefferson R R. bonds, .... 
Suspension Bridge & Erie Jc. R R. bonds, 
Chicago & Erie R.R. bonds, 
Cleveland & Mahoning Valley R R bonds, 
Flint & Pere Marquette R.R. bonds, 
Fitchburg R.R. bonds, .... 
Fulton Street Railway bonds, . 
Eastern of Minnesota bonds, . 
Illinois Central R.R. bonds, 
Chic, St. Louis & New Orleans R R. bonds, 
Kansas City Cable R.R. bonds, 
Kansas City Elevated R.R. bonds, . 
Kentucky Central R.R. bonds, . 
Louisville & Nashville R.R. bonds, . 
Memphis & Ohio R.R. bonds, . 
Louisville, Ciun. & Lexington R.R. bonds, 
Lexington Avenue & Pavonia Ferry R R. b'ds 
Pittsburgh & Lake Erie R.R. bonds, 
Cincinnati & Springfield R.R bonds, 
Detroit, Monroe & Toledo R.R. bonds, . 
Lehigh Valley R R. bonds, 
Manhattan Elevated R.R. bonds, 
Metropolitan Elevated R.R. bonds, . 
New York Elevated R.R bonds, 
Missouri Pacific R.R. bonds, 
Missouri Pacific Car Trusts, 
Pacific of Missouri R.R. bonds, 
International & Great Northern R R. bonds, 
International Car Trusts, .... 
Michigan Central R.R. bonds, . 
Jackson, Lansing & Saginaw R.R bonds, 
New York Central R.R bonds, 
West Shore R.R bonds, .... 
Pine Creek R.R. bonds, .... 
Rome, Watertown & Ogdensburg R.R. bonds 
Midland of New Jersey R R. bonds, 
New York & New England R.R. bonds, . 
New York, Chicago & St. Louis R.R bonds, 
New York, Ontario & Western R.R. bonds, 
Northern Pacific R.R. bonds, . 
Ohio Southern Cert , . . . 

Oregon Railroad & Navigation bonds, 
Ohio & Mississippi R.R. bonds, 
Old Colony R R bonds, . 
Peoria & Pekin Union bonds, . 



Book Value. 

§2,145,441 00 

2,042,594 00 

133,500 00 

103,250 00 

84,574 00 

765,278 00 

811,225 00 

33,000 00 

503,750 00 

290,250 00 

530,000 00 

2,987,642 00 

972,500 00 

193,000 00 

212,175 00 

355,825 00 

978,950 00 

28,562 00 

450,000 00 

885,494 00 

1,064,500 00 

96,824 00 

12,700 00 

1,255,000 00 

2,016,844 00 

1,660,916 00 

566,100 00 

712,892 00 

464,926 60 

311,614 00 

630,968 00 

104,384 10 

1,098,770 00 

41,400 00 

415,884 00 

1,000,000 00 

443,549 00 

425,215 00 

109,863 00 

688,105 00 

193,000 00 

481,125 00 

748,741 00 

368,759 00 

389,600 00 

548,488 00 

186,306 00 

267,031 00 



Market Value. 

82,223,925 00 

2,056,953 00 

136,500 00 

104,750 00 

78,925 00 

775,250 00 

793,175 00 

28,133 00 

515,000 00 

290,250 00 

536,250 00 

3,041,260 00 

1,010,625 00 

193,965 00 

210,105 00 

378,400 00 

977,200 00 

27,094 00 

491,625 00 

917,994 00 

1,120,000 00 

90,510 00 

12,212 00 

1,277,500 00 

2,014,740 00 

1,636,000 00 

577,220 00 

627,500 00 

464,927 00 

317,361 00 

676,005 00 

104,384 00 

1,061,968 00 

39,750 00 

410,225 00 

1,092,500 00 

489,580 00 

430,351 00 

112,330 00 

672,565 00 

195,175 00 

543,606 00 

841,689 00 

364,088 00 

410,508 00 

512,000 00 

188,056 00 

301,200 00 



THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE U. S. 79 



Pennsylvania R.R. bonds, 

Pittsburgh, Cinu., Chic. & St. Louis R.R. b'ds, 

Pittsburgh, Cinn. <fe St. Louis R.R. bonds, 

Allegheny Valley R.R. bonds, . 

Phila. & Reading sinking fund bonds, 

Rochester & Pittsburgh R.R. bonds, 

South Ferry R.R bonds, .... 

St. Louis & San Francisco R.R. bonds, . 

St. Louis & Iron Mountain R.R. bonds, . 

Second Avenue R R. bonds, 

St. Louis <& Iron Mountain Syndicate bonds, 

St. Paul, Minneapolis & Manitoba R.R. bonds 

Wilmar & Sioux Falls R.R. bonds, 

Richmond & Danville R.R. bonds, 

Virginia Midland R.R. bonds, . 

Texas & Pacific R.R. bonds, 

Thirty-fourth Street & Crosstown R.R. bonds 

Union Pacific Syndicate, . 

Union Pacific certificates, . 

Union Pacific R.R bonds, . 

Oregon Short Line R R. bonds, 

United Traction & Electric Co. bond 

Wabash R.R. bonds, . 

Wheeling & Lake Erie R.R. bonds, 

Toronto city debentures, . 

Quebec city bonds, . 

Quebec bonds, .... 

Montreal city bonds, . 

City of St. Henri bonds, . 

Winnipeg debentures, 

City of Elizabeth bonds, . 

Newark city bonds, . 

City of Woonsocket bonds, 

Virginia State bonds, 

City of Manchester bonds, 

City of Lynn bonds, . 

Rochester city bonds, 

Western Union Telegraph bonds, 

Laclede gas bonds, . 

Baltimore consol. gas bonds, . 

Western Transit Co bonds, 

Westinghouse Electric & Mfg. Co. bonds 

International Navigation Co. bonds, 

Northwestern Telegraph Co. bonds, 

United Elec. Light & Power Co. bonds, 

Broadway Realty Co. bonds, 

Edison Elec. & Illumin. Co. bonds, . 

Equitable Gas Co. bonds, . 



Book Value. 

$917,946 00 

2,991,235 00 
241,928 00 
634,082 00 
474,825 00 
118,000 00 
155,000 00 
208,529 00 

4,014,317 00 
201,677 00 
555,000 00 

1,960,544 00 
616,944 00 
181,892 00 
248,858 00 
307,602 00 
280,625 00 

2,550,000 00 
123,614 00 
793,901 00 
828,239 00 
505,000 00 
880,177 00 
110,833 00 
286,890 00 
134,546 00 
54,896 00 
673,953 00 
135,000 00 
142,850 00 
293,308 00 
267,500 00 
115,912 00 
11,371 00 
224,476 00 
67,646 00 
117,237 00 

1,994,835 00 
271,152 00 
525,990 00 
517,340 00 
356,250 00 
102,500 00 
306,725 00 
263,250 00 
107,500 00 
110,000 00 
10,375 00 



Market Value. 

$1,014,750 00 

3,130,343 00 
230,318 00 
639,528 00 
469,955 00 
120,500 00 
162,000 00 
208,380 00 

4,076,735 00 
200,653 00 
578,588 00 

2,079,250 00 
666,958 00 
183,750 00 
250,950 00 
338,187 00 
280,625 00 

2,816,438 00 

122,861 00 

896,297 00 

846,855 00 

516,875 00 

909,500 00 

45,000 00 

308,060 00 

143,811 00 

55,188 00 

717,933 00 

135,000 00 

143,030 00 

315,250 00 

293,750 00 

115,912 00 

13,338 00 

224,476 00 

67,646 00 

117,237 00 

1,970,760 00 
320,580 00 
540,000 00 
510,000 00 
365,625 00 
104,000 00 
306,090 00 
262,500 00 
112,000 00 
112,500 00 
10,100 00 



80 



THE GERMANIA LIFE INSURANCE COMPANY. 



Russian government bonds, 

Southwestern Railway bonds, 

Rezan Ural Railway bonds, 

Kursk Kieff Railway bonds, 

Orenburg Railway bonds, 

Kieff Voronesh Railway bonds, 

Southeastern Railway bonds, 

Nobles' State Land Bank bonds, 

Prussian government bonds, 

Italian government bonds, 

German bonds, . 

German imperial loan, 

Swedish government bonds, 

Swiss government bonds, . 

Wurttemberg bonds, 

Cape of Good Hope government bonds, 

Transvaal bonds, 

Brazilian government bonds, 

Hungarian government bonds, 

Servian government bonds, 

United States bonds, 

South Australian government bonds, 



Book Value. 

$315,316 00 

111,026 00 

428,409 00 

71,136 00 

20,324 00 

267,533 00 

301,433 00 

204,679 00 

426,976 00 

600,321 00 

24,368 00 

415,213 00 

93,931 00 

19,272 00 

109,741 00 

51,847 00 

48,747 00 

111,884 00 

100,325 00 

21,421 00 

968,800 00 

54,868 00 



Market Value. 

$373,143 00 

117,993 00 

434,360 00 

72,706 00 

21,399 00 

270,191 00 

302,813 00 

207,158 00 

476,649 00 

632,367 00 

24,294 00 

460,790 00 

95,743 00 

19,048 00 

105,894 00 

56,738 00 

50,683 00 

73,353 00 

107,950 00 

19,638 00 

886,775 00 

55,872 00 



$118,234,746 07 $124,073,884 00 



"THE GERMANIA LIFE INSURANCE COMPANY" OF NEW 

YORK. 

[Incorporated April 10, 1860. Commeaced business July 16, I860.] 
Paid-up Capital, $200,000. 

Cornelius Doremus, President. Hubert Cillts, Secretary. 

Income. 

Received for premiums on new policies, $380,804 88 

Received for renewal premiums, 2,401,841 35 

Dividends applied to pay running premiums, . . . 112,325 63 

Dividends applied to purchase paid-up additions and annuities, 26,590 25 
Surrender values applied to purchase paid-up insurance and 

annuities, 167,003 33 

Received for annuities, 20,412 22 

Total, $3,108,977 66 

Deduct amount paid for reinsurance, 7,490 40 

Total premium income, $3,101,487 26 



THE GERMANIA LIFE INSURANCE COMPANY. 



81 



Received for interest, § 947,318 26 

Received for rents of company's property, .... 129,047 83 

Profit on securities sold, 122,853 06 

Policy fees, 1,765 59 

Total income, $4,302,472 00 

Net or ledger assets Dec. 31, 1896, 21,710,347 04 

Total, $26,012,819 04 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Cash dividends paid policy holders, .... 
applied to pay running premiums, . 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poli 
cies, $228,919.07 ; renewals, $ 11 1,534.04), . 

for salaries and allowances to managers and agents 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees 

for taxes on premiums, . 

for taxes on reserves, 

for taxes on real estate, . 

for fees, licenses, etc , 

for rent, 

for commuting commissions, . 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 
Profit and loss account 



Total disbursements, . 
Balance, 



$1,075,813 51 
551,963 45 

$1,627,776 96 

23,822 01 

10,096 26 

112,325 63 

26,590 25 
248,896 90 

167,003 33 

$2,216,511 34 
24,000 00 

340,453 11 

114,107 62 

28,262 37 

91,549 72 

16,649 57 

442 83 

22,426 34 

4,870 67 

20,760 00 

4,412 03 

25,574 68 

6,641 68 

1,620 45 

41,281 61 

26,099 24 

39,657 65 

133,245 56 



. $3,158,566 47 



$22,854,252 57 



82 



THE GERMANIA LIFE INSURANCE COMPANY. 



Invested in the following : — 

Assets as per Ledger Accounts 
Cost of real estate, 



Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, 

deposited in bank, 

in transit (since received), .... 

Total net or ledger assets, as per balance, 



$2,156,152 74 

12,116,795 80 

1,219,374 78 

6,575,026 91 

1,881 66 

641,417 95 

143,602 73 

$22,854,252 57 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of real estate over cost, 
Market value of stocks and bonds over cost, . 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$44,994 96 

45,425 08 

$90,420 04 
18,084 01 



Total assets, per company's books, . 
Deduct special deposits in other States, . 



Renewals. 

$152,214 98 

289,445 13 

£441,660 11 
88,332 02 



$72,336 03 $353,328 09 



227,348 71 
11,249 56 
64,441 04 

106,119 13 



425,664 12 



Balance, 



$23,689,075 13 
. 2,754,829 98 

$20,934,245 15 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 



$20,920,382 00 
33,899 00 

$20,886,483 00 



$1,927 40 

5,481 65 

112,434 43 

45,875 46 

1,238 05 



166,956 99 



THE GERMANIA LIFE INSURANCE COMPANY. 



83 



Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, .... 
Contingent surrender values, .... 
Extra reserve for war and other policies, 

Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Paid-up capital, .... 

Surplus over capital, 



Gross liabilities, 



$33,951 39 

3,427 13 

7,894 90 

73,842 77 



$21,172,556 18 
. 2,754,829 98 



$18,417,726 20 



. $2,516,518 95 



200,000 00 
. 2,316,518 95 



$20,934,245 15 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 15,199 


$29,630,107 00 




Endowment, 


. 26,680 


39,705,470 00 




All other, . 


141 


383,287 00 




Reversionary additions, 


. 


715,952 00 








42,020 


$70,434,816 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 3,138 §5,786,566 00 

. 3,594 5,205,995 00 

16 45,798 00 



6,748 11,038,359 00 



Whole life, 
Endowment, 

Additions by dividends, 

Total, . 



Old Policies revived. 



10 
15 



f 5 1,289 00 
17,661 00 



25 



68,950 00 
37,480 00 



48,793 $81,579,605 00 



Policies terminated during the Year, 

Whole life, . . . 1,903 $3,962,617 00 
Endowment, . . . 2,579 3,779,389 00 
All other, .... 48 212,637 00 



4,530 $7,954,643 00 



84 



THE GERMANIA LIFE INSURANCE COMPANY. 



How terminated. 





Number. 


Amount. Total No. 


Total Amount. 


By death, . 


593 


$1,021,833 00 




maturity, 


373 


542,156 00 




expiry, 


52 


100,651 00 




surrender 


966 


1,845,014 00 




lapse, . 


. 1,612 


2,641,996 00 




change and decrease, . 


231,625 00 




Not taken, . 


934 


1,568,368 00 








A ^0 


$7,954,643 00 










Policies in Force Dec. 31, 1897. 




Whole life, 


. 16,444 


$31,505,345 00 




Endowment, 


. 27,710 


41,149,737 00 




All other, . 


109 


277,513 00 




Reversionary 


additions, . - 


692,367 00 








1 1 °fi^ 


73,624,962 00 








Industrial pol 


icies in force, 


. 4,748 


593,688 00 



Schedule A. 
Stocks and Bonds owned by the Company. 



50 shares 42d St., Mn. & St. Nic. Av. R.R., N.Y. 
187 " German American Bank, . 
Virginia State funding bonds, . 
City of Lexington, Ky , bonds, 
Dominion of Canada debentures, 
Montreal harbor bonds, .... 
Austrian government bonds, . 
Hungarian government bonds, 
Bavarian government bonds, . 
Swiss government bonds, 
Wurtternberg government bouds, . 
Prussian government bouds, . 
Atchison, Topeka & Santa Fe R.R. bonds, 
Atlantic Ave. R.R. bonds, .... 
Baltimore & Ohio R.R. bonds, . 
Baltimore & Ohio equipment bonds, 
Brooklyn Elevated R.R. bonds, 
Cen. Park, No. & East River City R.R. bonds 
Chesapeake & Ohio R.R. bonds, 
Chicago & Alton R.R. bonds, ... 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R n y Co. bonds 
Chicago & Northwestern R"y Co. bonds, . 
Chicago, Rock Island & Pacific R'y Co. bonds 
Chic, St. Paul, Minn. & Omaha R.R bonds, 
Cleve., Cinn., Chic. & St Louis R'y Co. bonds 



Cost Value. 

$15,802 50 
17,075 00 
46,125 00 
52,625 00 
25,000 00 

497,153 61 
46,987 97 
10,392 60 
19,358 69 
98,634 48 
1,938,395 81 
23,500 00 
72,687 50 

137,062 50 
50,375 00 
52,375 00 
48,605 00 
42,600 00 
18,018 75 
30,806 25 

139,437 50 

396,903 75 
52,875 00 

246,212 50 

133,050 00 



Market Value. 
$2,100 00 

15,708 00 
22,240 00 
51,250 00 
52,500 00 
26,437 50 
510,082 03 

53.599 53 
10,522 07 
19,040 00 
97,294 40 

1,962,295 01 
23,800 00 
70,750 00 
113,500 00 
50,500 00 
41,250 00 

45.600 00 
40,800 00 
16,800 00 
30,300 00 

151,400 00 
439,280 00 
53,812 50 
270,275 00 
144,300 00 



HOME LIFE INSURANCE COMPANY. 



85 



Dayton & Michigan R.R. bonds, 
Delaware & Hudson Canal Co. bonds, 
Edison Elec. Illumin. Co bonds, 
Flint & Pere Marquette R.R. bonds, 
Kentucky Union Co., 
Lexington & Eastern R'y Co. bonds, 
King's County Elevated R'y Co. bonds, 
Lake Erie & Western R.R. bonds, . 
Long Island R.R. Co. bonds, . 
Metropolitan Street R'y Co bonds, . 
Michigan Central R.R. bonds, . 
Minn. & St. Louis R'y Co. bonds, 
Minn. Street Railway Co. bonds, 
Missouri Pacific R'y Co. bonds, 
Nashville, Chatt. & St. Louis R'y Co. bonds, 
N. Y., Lake Erie & Western R'y Co. bonds, 
Northern Pacific R'y Co. bonds, 

Panama R.R. bonds, 

Paterson R'y Co. bonds, .... 
Philadelphia & Reading R R. bonds, 
Rio Grande Western R.R. bonds, 
St. Joseph & Grand Island R.R. bonds, . 
St. Paul, Minn. & Manitoba R'y Co. bonds, 
Second Avenue R.R., N. Y., bonds, . 
Sioux City & Northern R.R. bonds, . 
South Carolina & Georgia R.R. bonds, . 
Southern Pacific R.R. bonds, . 
Southern Railway Co. bonds, . . 
Syracuse Rapid Transit Railway Co. bonds, 
Terre Haute & Indianapolis R.R. bonds, . 
Texas & Pacific R R. bonds, 
Ulster & Delaware R.R. bonds, 
Wabash R.R. bonds, 



Cost Value. 

$20,900 00 

44,187 50 

24,500 00 

58,625 00 

47,875 00 ! 

50,000 00 
51,500 00 
92,885 00 

151,375 00 
59,696 25 
56,910 00 
47,625 00 

114,251 25 
99,500 00 

271,612 50 

118,175 00 
50,375 00 
24,375 00 

125,700 00 

112,250 00 
32,250 00 

215,450 00 
26,125 00 
46,000 00 
24,500 00 
46,500 00 
36,225 00 
94,900 00 
20,200 00 
45,875 00 
49,875 00 

102,750 00 



Market Value. 

$22,000 00 

51,450 00 

25,000 00 

56,875 00 

750 00 

5,250 00 

22,000 00 

50,000 00 

94,220 00 

164,750 00 

65,325 00 

59,640 00 

46,250 00 

113,787 50 

103,250 00 

308,850 00 

128,250 00 

50,500 00 

27,000 00 

128,300 00 

125,812 50 

23,175 00 

241,050 00 

27,125 00 

37,500 00 

23,750 00 

42,400 00 

33,000 00 

56,950 00 

21,000 00 

48,750 00 

51,250 00 

107,500 00 



1,575,026 91 $6,681,146 04 



" HOME LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 

Paid-up Capital, $125,000. 

George E. Ide, President. Ellis W. Gladwin, Secretary. 

Income. 

Received for premiums on new policies, $238,576 26 

Received for renewal premiums, 1,190,540 94 

Dividends applied to pay running premiums, .... 64,060 52 

Dividends applied to purchase paid-up additions and annuities, 89,461 65 



86 



HOME LIFE INSURANCE COMPANY. 



Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 



Total 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Premium notes or loans restored, . 

Profit on securities sold, 



Total income, 
Net or ledger assets Dec. 31, 1896, 



Total, 



Disbursements. 

Paid for losses, 

for matured endowments and additions, . 
on matured instalment policies, 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Cash dividends paid policy holders, 

applied to pay running premiums,, 
applied to purchase paid-up additions 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance 
annuities, 



?64 60 

51,280 20 
18,826 73 

$1,652,810 90 
6,889 16 

$1,645,921 74 

356,150 21 

292 97 

94,282 21 

1,738 91 

1,557 7-2 

$2,099,943 7fi 
9,007,870 85 

$11,107,814 61 



$562,009 42 

106,091 98 

1,500 00 

$669,601 40 

18,229 44 

3,866 24 

64,060 52 



and 



and 



Total paid policy holders, . 
Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents (new poli- 
cies, $125,146.87 ; renewals, f 89,342.45), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, 
for salaries of officers and home office employees 
for taxes on premiums, 
for taxes on reserve, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 
for commuting commissions, 



89,461 65 

110,356 57 

64 60 

51,280 20 

$1,006,920 62 
15,000 00 

214,489 32 
65,199 62 
20,702 39 
80,314 16 
14,742 48 
698 47 
10,685 48 
7,397 23 
24,899 99 
17,796 71 



HOME LIFE INSURANCE COMPANY. 



87 



Cash paid for advertising, printing and postage, . 

for legal expenses, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, 



823,646 21 

6,746 99 

26,634 82 

6,393 46 

8,361 16 



Total disbursements, $1,550,629 11 



Balance, $9,557,185 50 



Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Agents 1 debit balances, 

Total net or ledger assets, as per balance, 



$1,603,437 63 

3,048,247 52 

38,400 00 

432,814 23 

482,171 85 

3,587,011 67 

281,661 76 

83,440 84 



1,557,185 50 



Other Assets. 
Interest due and accrued, . . . 
Rents due and accrued, .... 
Market value of real estate over book, . 
Market value of stocks, and bonds over book, 
Reinsurance due from other companies, . 

New Business. 

Uncollected premiums on poli- 
cies in force $32,964 89 

Deferred premiums on policies 

in force, 19,288 60 



Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



Renew is. 

$84,973 07 
75,677 96 



$52,253 49 $160,651 63 
10,450 70 32,130 33 



$41,802 79 $128,521 30 



104,269 73 

7,678 63 

95,516 68 

103,500 16 

12,500 00 



Total assets, per company's books, . 



170,324 09 
$10,050,974 79 



Items not admitted. 



Agents' debit balances, 



Total admitted assets, 
Deduct special deposits in other States, . 



83,440 84 

. $9,967,533 95 
12,400 00 



Balance, $9,955,133 95 



88 



HOME LIFE INSURANCE COMPANY. 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . 
Deduct net value of reinsured risks, 



Net reserve, 

Present value of unpaid instalments, 
Matured endowments due and unpaid, . 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, 

Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, .... 
Contingent surrender values, .... 

Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



$8,712,391 00 
12,109 00 

18,700,282 00 
16,151 00 



$80 00 
93,286 00 
47,802 00 



141,168 00 

4,261 79 

7,399 58 

5,002 00 

. $8,874,264 37 
12,400 00 

18,861,864 37 
Surplus as regards policy holders, . . . $1,093,269 58 

Paid-up capital, 125,000 00 

Surplus over capital, 968,269 58 

Gross liabilities, $9,955,133 95 



Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $480,911 05 
Premium notes received during 1897 (new poli- 
cies, $2,971.24; old policies, $95,232.50), . 98,203 74 
Premium notes restored by revival of policies, 1,738 91 

Total, $580,853 70 

Used in payment of losses and claims, . . $23,318 08 

in purchase of surrendered policies, . 21,705 16 

in payment of dividends to policyholders, 30,129 26 

Redeemed by maker in cash, .... 23,529 35 

Total, 98,681 85 

Balance note assets Dec. 31, 1897, §482,171 85 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. 

17,120 $32,187,504 00 

3,214 5,621,364 00 

1,312 3,452,016 00 

711,096 00 



Total Amount. 



21,646 $41,971,980 00 



HOME LIFE INSURANCE COMPANY. 



89 



Policies issued during the Year. 





Number. Amount. Total No. 


Total Amount. 


Whole life, 


. 3,456 $6,618,102 00 




Endowment, 


534 932,520 00 




All other, . 


381 769,389 00 






i 371 


$8,320,011 00 








Old Policies revived. 




Whole life, 


66 $134,064 00 




Endowment, 


9 16,000 00 




All other, . 


7 9,735 00 






8° 


159,799 00 




Old Policies changed and increased. 


Whole life, 


9 $23,916 00 




Endowment, 


1 1,500 00 




All other, . 


8 23,029 00 






IS 


48,445 00 
85,992 00 


Additions by 


dividends, - 




26,117 

Policies terminated during the Year. 


$50,586,227 00 


Whole life, 


. 2,669 f5,253,887 00 




Endowment, 


461 770,342 00 




All other, . 


446 1,118,951 00 







3,576 


$7,143,180 00 




How terminated. 


By death, . . 


276 


$569,361 00 


maturity, 


67 


106,218 00 


expiry, 


1 


2,500 00 


surrender, . 


672 


1,275,249 00 


lapse, . 


1,804 


3,417,508 00 


change and decrease, 


18 


192,897 00 


Not taken, . 


738 


1,579,444 00 



3,576 7,143,180 00 



Policies in Force Dec. 31, 1897. 



Whole life, 


. 17,982 


$33,709,699 00 


Endowment, 


. 3,297 


5,801,042 00 


All other, . 


. 1,262 


3,143,621 00 


Reversionary additions, 


- 


788,685 00 



22,511 43,443,047 00 



90 



HOME LIFE INSURANCE COMPANY. 



ScnEDULE A. 
Securities held as Collateral. 

Market Value. 

Union Trust Co. stock $50,000 00 

American Exchange Nat'l Bank stock, . . 7,650 00 

United New Jersey R'y and Canal Co. stock, . 6,746 63 

Nassau Fire Insurance Co. stock, . . . 1,500 00 > 

Brooklyn Bank stock, 4,650 00 

Washington Trust Co. stock, .... 2,250 00 

N. Y. and New Jersey Telephone stock, . . 2,831 00 

Standard Oil Trust stock, 10,680 00 

Edison Electric III. Co. stock, .... 735 00 

Bond and Mortgage Guarantee Co. stock, . 3,720 00 

Municipal Electric Light Co. (Brooklyn), . 8,743 50 J 

Delaware and Hudson Canal Co. stock, . . 11,175 00 



Loaned Thereon. 

$6,000 00 
4,400 00 
4,000 00 



\ 15,000 00 



9,000 00 



$110,681 13 |38,400 00 



Schedule B. 
Stocks and Bonds owned by the 



Central Trust Co. stock, . 

American Exchange Nat'l Bank stock, 

National Bank of Commerce stock, 

Erie R R. stock trust certificates, 

Brooklyn Trust Co. stock, 

Colonial Trust Co. stock, . 

United States bonds, .... 

N. Y., Chicago & St. Louis RR, bonds, 

N. Y , Lac. & Western const, bonds, 

Albany & Susquehanna R R. bonds, 

Morris & Essex R R. bonds, 

Chicago & Northwestern R R. bonds, 

Oswego & Syracuse R.R. bonds, 

Jefferson R R bonds, 

Delaware & Hudson R.R. bonds, 

Monmouth County, N. J , school bonds, 

Michigan Central R.R. bonds, . 

Central R.R. of N. J. bonds, 

Lake Shore & Mich. Southern R.R. bond: 

La. & Mo. River R R. bonds, . 

N. Y. Cent. & Hudson River R R. bonds, 

R. W. & O. R.R. bonds, . 

C.,C.,C. & I. R.R. bonds, 

Nashville & Decatur R.R. bonds, 

N. Y. & Harlem R.R. bonds, . 

Kalamazoo & White Pigeon R.R. bonds, 

Norfolk & Southern R.R. bonds, 

Jackson, Lansing & Saginaw R.R. bonds, 



Company. 

Book Value. 

$29,500 00 

22,512 25 

34,085 75 

11,923 50 

31,525 00 

15,525 00 

357,904 19 

197,689 74 

97,500 00 

241,925 00 

267,967 50 

281,400 00 

38,950 00 

102,500 00 

79,091 25 

23,605 00 

49,725 00 

90,149 14 

69,575 00 

33,720 83 

105,750 00 

109,170 00 

11,441 67 

56,750 00 

5,900 00 

9,787 50 

53,500 00 

30,825 50 



Market Value. 

$112,500 00 

27,513 00 

40,000 00 

9,998 00 

31,525 00 

15,525 00 

369,866 67 

208,500 00 

111,916 67 

244,025 00 

277,833 33 

281,666 67 

41,483 33 

103,250 00 

77,916 67 

25,960 00 

51,962 50 

87,067 50 

61,880 00 

31,924 17 

107,833 33 

118,750 00 

10,533 33 

53,750 00 

5,466 67 

10,350 00 

57,291 67 

30,700 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



91 



Detroit, Monroe & Toledo R.R. bonds, . 

Brooklyn City R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Long Island R.R. bonds, .... 

Flatbush sewer bonds, .... 

Newark sewer bonds, .... 

Michigan Central R.R. bonds, . 

Edison Electric Illuminating Co. bonds, . 

Lehigh Valley Terminal R R. bonds, 

Chicago & Eastern Illinois bonds, . 

Union Ferry Co. bonds, .... 

Lincoln, Neb., Street Railway bonds, 

Cleve., Cinn., Chic. & St. Louis R.R. bonds, 

Detroit & Bay City bonds, 

Atlantic Avenue R.R. bonds, . 

Minneapolis & St. Louis R.R. bonds, 

St. Louis & Iron Mountain R.R. bonds, . 

Lehigh & New York R.R. bonds, 

4-?d St., Man. & St. Nich. Ave. R.R. bonds, 

Brooklyn City & Newtown R.R. bonds, . 

New York & New Jersey Tel. Co. bonds, 

Brooklyn Union Gas Co. bonds, 

Erie bonds, .... 

Equitable Gas Light Co bonds, 

Standard Gas Light Co. bonds, 

Nassau Electric R.R. bonds, 



Book Value. 

$12,325 00 
54,664 99 
26,693 00* 
17,500 00 
50,000 00 
50,000 00 
24,200 00 
50,000 00 
54,562 50 
50,517 36 
25,000 00 
58,500 00 
91,750 00 
43,093 75 
45,570 00 
37,500 00 
52,000 00 
46,250 00 
17,325 00 
55,038 75 
53,812 50 
52,906 25 
32,878 75 
57,375 00 
44,150 00 
23,500 00 



Market Value. 

$12,108 33 
56,250 00 
25,190 00 
15,333 33 
51,000 00 
52,000 00 
22,566 67 
54,375 00 
54,375 00 
49,833 33 
25,291 67 
20,000 00 
92,333 33 
40,833 33 
43,575 00 
37,500 00 
50,291 67 
44,833 33 
16,950 00 
54,500 00 
55,000 00 
52,333 33 
31,750 00 
57,000 00 
44,800 00 
23,500 00 



$3,587,011 67 $3,690,511 83 



"THE MANHATTAN LIFE INSURANCE COMPANY," NEW 

YORK, N.Y. 

[Incorporated 1850. Commenced business Aug. 1, 1850 ] 

Paid-up- Capital, $100,000. 

Henry B. Stokes, President. William C. Frazee, Secretary. 



Income. 

Received for premiums on new policies, 

Received for renewal premiums, 

Dividends applied to pay running premiums, . 

Dividends applied to purchase paid-up additions and annuities, 

Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 



Total 

Deduct amount paid for reinsurance, 

Total premium income, 



$149,268 77 

1,606,650 87 

28,901 90 

467 97 

93,729 25 
12,132 94 



,891,151 70 
10,460 18 



$1,880,691 52 



92 



THE MANHATTAN LIFE INSURANCE COMPANY. 



Received for interest, $506,279 01 

for rents of company's property, .... 217,929 18 

for reinsurance, 2,549 34 

Premium notes restored, 1,135 83 

Premium loans or liens restored, 1,800 00 

Profit on securities sold, 34,980 36 

Profit and loss account, 197 46 

Total income, £2,645,562 70 

Net or ledger assets Dec 31, 1896, 13,638,504 51 

Total, $16,284,067 21 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes or loans voided by lapse, 
Cash dividends paid policy holders, .... 

applied to pay running premiums,, 
applied to purchase paid-up additions and an 
nuities, . ... . . 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poli 

cies, $90,406.56 ; renewals, $115,881.33), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees 
for taxes on premiums, 
for taxes on reserves, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 



Total disbursements, 
Balance, 



$999,169 27 
221,769 00 



11,220,938 27 

11,992 52 

19,099 24 

4,076 19 

28,901 90 

467 97 
178,712 88 

93,729 25 



$1,557,918 22 
16,000 00 

206,287 89 
48,364 38 
33,434 27 
93,761 99 
14,977 64 

1,729 60 
26,216 63 

5,883 64 
64,271 37 
32,289 15 
21,854 02 
218 69 
58,196 17 
16,940 77 



f 2,198,344 43 



$14,085,722 78 



THE MANHATTAN LIFE INSURANCE COMPANY. 



93 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule- A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, . . . 
Market value of real estate over cost, 
Market value of stocks and bonds over cost, . 



$3,585,239 65 

4,827,301 07 

795,762 50 

360,549 10 

496,851 23 

3,684,438 90 

3,589 71 

331,990 62 

$14,085,722 78 



118,913 88 

13,827 15 

365,926 34 

137,104 60 



Uncollected premiums on poli 

cies in force, . 
Deferred premiums on policies 

in force, 

Total, .... 
Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



Agents' balances, 
Commuted commissions, 



New Business. 

$53,153 35 

4,227 00 

$57,380 35 
11,476 07 



Renewals. 

$83,814 78 

99,176 00 

$182,990 78 
36,598 15 



$45,904 28 $146,392 63 



Total assets, per company's books, .... 

Items not admitted. 

Commuted commissions, $160,536 44 

Agents' balances, 66,822 46 

Total, 

Total admitted assets, 

Deduct special deposits in other States, .... 



192,296 91 

66,822 46 

160,536 44 

$15,141,150 56 



Balance, 



227,358 90 

$14,913,791 66 
10,250 00 

$14,903,541 66 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $13,457,379 00 
Deduct net value of reinsured risks, 13,918 00 



Net reserve, 



$13,443,461 00 



04 



THE MANHATTAN LIFE INSURANCE COMPANY. 



Commissions due on premium notes, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, 
All other liabilities, .... 



223,655 73 

15,421 44 
14,717 31 
13,151 00 

$13,714,119 93 
10,250 00 

$13,703,869 93 
Surplus as regards policy holders, . . . $1,199,67173 

Paid-up capital, 100,000 00 

Surplus over capital, 1,099,671 73 



Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



$3,713 45 



$147,984 33 
75,671 40 



Gross liabilities, 



$14,903,541 66 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, . 
received during 1897, 
restored by revival of policies 

Total, 

Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy holders 
Redeemed by maker in cash, . 

Total, 



$525,617 82 

148,157 67 

1,135 83 

$22,056 77 

23,607 56 

19,099 24 

858 96 

112,437 56 



$674,911 32 



178,060 09 



Balance note assets Dec. 31, 1897, 



$496,851 23 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 





Number. 


Amount. 


Whole life, 


. 21,396 


$48,122,589 00 


Endowment, 


. 2,271 


5,405,401 00 


All other, . 


. 1,287 


4,080,146 00 


Reversionary additions, 


• — 


52,305 00 



24,954 $57,660,441 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 

. 3,241 $6,695,681 00 
296 683,136 00 

184 538,153 00 



3,721 7,916,970 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



95 



Old Policies revived. 



Whole life, 
Endowment, 
All other, . 


ITumber. 

83 

7 
2 


Amount. 

$251,105 00 

27,617 00 

8,009 00 


Total No. 

92 


Total Amount. 

$286,731 00 

78,235 00 

757 00 


Old policies increased, 
Additions by dividends, 


• • • 


• • • 


Total, . 


28,767 


$65,943,134 00 



Policies terminated during the Year. 

Whole life, . . . 3,089 $8,071,116 00 
Endowment, ... 360 977,320 00 

All other 206 738,232 00 



3,655 $9,786,668 00 



How terminated. 



By death, . 


• • 


394 


$1,000,373 00 


maturity, 


> 


106 


221,769 00 


expiry, 


. 


- 


89,299 00 


surrender, 


. 


339 


759,255 00 


lapse, . 


■ § • 


1,625 


4,064,248 00 


change and < 


lecrease, . 


109 


1,055,435 00 


Not taken, . 


i t • 


1,082 


2,596,289 00 



3,655 9,786,668 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in Force Dec. 31, 1897. 

. 21,631 $4j6,998,259 00 

. 2,214 5,138,834 00 

. 1,267 3,968,594 00 

50,779 00 



25,112 56,156,466 00 



Schedule A. 
Securities held as Collateral. 



Iowa Central Railway Co. bonds, 
Iowa Central Railway Co. stock, 
Wagner Palace Car Co. stock, . 
Union Trust Co. stock, 
Bank of the Metropolis stock, . 
Columbia Bank, New York, stock, 
Union Trust Co. stock, 



Market Valne. 

$26,300 00 
12,300 00 
45,000 00 
45,000 00 
40,000 00 
22,500 00 
90,000 00 



} 



Loaned Thereon. 

$32,625 00 

75,000 00 

15,000 00 
53,500 00 



96 



THE MANHATTAN LIFE INSURANCE COMPANY. 



Union Trust Co. stock, .... 

Western Union Tel. Co stock, . 

National Citizens 1 Bank stock, . 

N. Y., N. H. & Hartford Railway Co. stock, 

N. Y., Ontario & Western Railway Co. stock, 

Consolidated Gas Co. stock, 

Rome, Watert'n & Ogdensburgh R'y Co. st'k, 

Denver & Rio Grande Railway bonds, 

Rio Grande Western Railway bonds, 

Consumers 1 Gas Co., Philadelphia, bonds, 

N. Y., N. H. & Hartford Railway Co. stock, 

Rome, Watertown & Ogdensburgh R'y Co. st'k 

Consolidated Gas Co. stock, 

Chic, Mil. & St. Paul Railway Co. stock, 

Colorado Coal & Iron Co. bonds, 

National Citizens 1 Bank, New York, stock, 

Tennessee Coal & Iron Co. stock, . 

Mortgage, 

Wagner Palace Car Co. stock, . 
Bank of the Metropolis stock, . 
American Express Co. stock, . 
Columbus Central Railway Co. bonds, . 
Atlanta Consolidated Street Railway Co. stock 
Atlanta Consolidated Street Railway bonds, 
National Citizens 1 Bank stock, 
Houston & Texas Central Railway Co. bonds 
Consolidated stock, county of New York, 
Dock bond, New York, .... 
Morris & Essex Railway Co. stock, . 
Chicago & Northwest. Railway Co stock, 
Sioux City & Pacific Railway Co. bonds, . 
Cedar Rapids & Missouri River R'y Co. bonds 
Winona & Southwestern Railway Co. bonds, 
N. Y., Lackawanna & Western R.R. bonds, 
American Surety Co. stock, 
Lehigh & W T ilkesbarre Coal Co. bonds, . 
East River National Bank stock, 
New York & New England R'y Co. stock, 
Cinn., Newport & Covington R'y Co. stock, 
Atchison, Topeka & Santa Fe R'y Co. stock, 
Clev., Cinn., Chicago & St. Louis R'y Co. st'k 
Cleveland " Leader " & Printing Co stock, 
Euclid Avenue Savings & Banking Co. stock, 
Columbus Central Railway Co. bonds, 
Continental Trust Co. stock, 
American Surety Co. stock, 
Illinois Central Railway Co. stock, . 
National Bank of the Republic stock, 
Standard Oil Trust stock, . . 



Market Value 

$18,000 00 ^ 
9,100 00 
1,200 00 
12,200 00 
1,500 00 
17,800 00 
12,100 00 
2,700 00 
800 00 
1,000 00 J 
3,000 00 
2,400 00 
8,800 00 \ 
14,200 00 I 
1,800 00 j 
27,600 00 
32,000 00 
15,000 00 
6,000 00 
30,000 00 
8,000 00 
4,800 00 
2,500 00 
16,000 00 
1,200 00 
33,600 00 > 
4,000 00 
1,000 00 
5,100 00 
1,300 00 | 
1,000 00 
5,100 00 
400 00 
4,200 00 
8,500 00 J 
12,700 00 
9,100 00 
6,000 00 >> 
6,000 00 | 
10,500 00 
6,800 00 ). 
1,600 00 
3,000 00 
16,800 00 J 
17,000 00 
8,500 00 
30,900 00 
15,000 00 
30,000 00 



Loaned Thereon. 



► $52,000 00 



20,000 00 

23,000 00 

22,900 00 

5,000 00 

28,000 00 

4,000 00 
15,000 00 

1,000 00 



y 50,000 oo 



15,000 00 



31,137 50 



15,000 00 
20,000 00 
28,000 00 



THE MANHATTAN LIFE INSURANCE COMPANY. 



97 



Ann Arbor Railway bonds, . 
Burl., Cedar Rapids & Northern R'y Co. stoek, 
United States bonds, .... 

Missouri, Kansas & Texas Railway bonds, 
Union Trust Co. stock, .... 
Henderson Bridge Co stock, . 
Nashville, Chatt & St. Louis Railway Co. st% 
N. Y. Central & Hudson River R'y Co. stock, 
Missouri Pacific Railway bonds, 
Mahoning Coal Co stock, 
Nashville, Chatt. & St. Louis Railway Co. st'k 
Louisville & Nashville Railroad stock, . 
First N'l Bank of Red Bank, N. J., stock, 
Delaware, Lackawanna & West'n R.R. Co. st'k 
Kanawha & Michigan Railway bonds, 
Evansville & Indiana R.R. bonds, . 
San Antonio & Aransas Pass R.R. bonds, 
United States consols, .... 
Consolidated Gas Co. stock, 
Cotton Oil Co. stock, .... 

Chicago, R. I. & Pacific Railway Co. stock, 
Philadelphia & Reading Railway Co. stock, 
Minn. & St. Louis Railroad Co. stock, 
Chicago, Burlington & Quincy R.R. Co. stock 
Northern Pacific Railway Co. stock, 
Union Pacific Railroad Co. stock, 



Market Value. 

$3,300 00 

6,800 00 

5,700 00 

12,600 00 

108,000 00 

19,600 00 

14,000 00 

10,700 00 

13,400 00 

2,100 00 

33,600 00 

39,200 00 

3,000 00 

7,700 00 

1,500 00 

900 00 

1,200 00 

22,800 00 

17,700 00 

2,200 00 

27,000 00 

12,700 00 

2,200 00 

19,800 00 

5,900 00 

5,200 00 



Loaned Thereon. 

$1,600 00 
4,500 00 
5,000 00 

1 

I 

}» 100,000 00 



) 



7,500 00 
10,500 00 

60,000 00 

1,000 00 
2,000 00 

2,500 00 

20,000 00 



}> 50,000 00 



25,000 00 



$1,167,700 00 $795,762 50 



Schedule B. 



Slocks and Bonds owned by the Company. 

Cost Value. Market Value. 

50 shares Bank of Commerce, New York; . $4,460 00 $10,500 00 

United States bonds, 118,098 70 129,087 50 

Virginia State bonds, 4,335 37 21,631 00 

Mississippi State bonds 10,000 00 10,000 00 

Central Park, North & East River R.R. bonds, 115,325 00 113,000 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 40,447 23 44,875 00 

Union Pacific R R. bonds, 57,968 17 57,500 00 

Albany & Susquehanna R.R. bonds, . . 59,000 00 58,500 00 

Ohio & Mississippi R.R. bonds, . . . 58,000 00 60,500 00 

Missouri Pacific R R. bonds, .... 111,25000 94,00000 

N. Y., Susquehanna & Western R.R. bonds, . 101,138 89 106,000 00 

Dakota & Great Southern R.R. bonds, . . 100,000 00 113,500 00 

Morgan's La. & Texas R.R. & S.S. Co. bonds, 70,805 28 75,150 00 

Sewer & Drainage Cert., New Rochelle, N. Y., 30,000 00 30,000 00 

Town of Danville, Va., bond, .... 10,250 00 10,250 00 

Denver & Rio Grande R.R. bonds, . . . 78,000 00 91,500 00 

N. Y., Lake Erie & West. R.R. bonds, . . 119,513 89 124,125 00 



98 



METROPOLITAN LIFE INSURANCE COMPANY. 



BuiTton, Cedar Rapids & North. R.R. bonds, 

Chicago & Eastern Illinois R R. bonds, . 

Central Railroad, New Jersey, bonds, 

Monongahela R.R. bonds, 

Reading Co. & P. & R. Coal & Iron Co. bonds 

Equitable Gas Light Co., New York, bonds, 

Chicago, Rock Island & Pacific bonds, . 

Cleveland, Loraine & Wheeling bonds, . 

Flint & Pere Marquette bonds, 

Knox & Lincoln bonds, .... 

Kanawha & Michigan bonds, . 

Lehigh & Wilkesbarre bonds, . 

St. Louis, Alton & Terre Haute bonds, . 

School District, Bergen Co , N. J., bonds, 

Western Union Collateral Trust bonds, . 

State of Tennessee bonds, 

Toledo & Ohio Central R'y bonds, . 

Elizabethtown, Lex. & Big Sandy R.R. bonds, 

Minneapolis & St Louis R.R bonds, 

Duluth & Iron Range R.R. bonds, . 

Chicago & Indiana Coal R'y bonds, . 

The Galveston Wharf Co. bonds, 

Burlington, Cedar Rapids & N. R'y Co. bonds, 

Louisville, Henderson & St. Louis R.R. bonds, 

Massillon & Cleveland Coal Co bonds, . 

New Jersey Steamboat Co. bonds, . 

Kansas City Cable R'y bonds, . 

Toledo Traction Co. bonds, . . . . 



Cost Value. 

$50,718 89 

96,958 34 

27,628 48 

50,770 84 

88,447 22 

211,250 00 

156,525 96 

200,000 00 

98,152 05 

53,250 00 

77,011 11 

107,426 02 

102,500 00 

48,762 50 

52,834 46 

167,759 85 

96,500 00 

49,929 87 

50,786 11 

200,791 67 

101,500 00 

50,000 00 

101,500 00 

11,655 50 

97,500 00 

47,562 50 

100,125 00 

98,000 00 



Market Value. 

853,125 00 

101,000 00 

28,125 00 

52,125 00 

86,000 00 

230,000 00 

161,437 50 

206,000 00 

96,687 50 

52,625 00 

77,500 00 

100,250 00 

105,250 00 

48,762 50 

55,500 00 

183,000 00 

106,000 00 

51,000 00 

53,250 00 

21"0,000 00 

101,500 00 

50,625 00 

106,500 00 

6,412 50 

98,750 00 

47,500 00 

101,000 00 

101,500 00 



$3,684,438 90 $3,821,543 50 



"METROPOLITAN LIFE INSURANCE COMPANY,* 1 NEW 

YORK, N. Y. 

[Incorporated June, 1866. Commenced business January, 1867.] 
Paid-up Capital, $2,000,000. 

John R. Hegeman, President. George B. Woodward, Secretary. 



Income. 

Received for premiums on new policies (ordinary), 
for premiums on new policies (industrial), 
for renewal premiums (ordinary), . 
for renewal premiums (industrial), . 
for annuities, 



$612,914 47 

1,772,543 00 

796,312 37 

18,220,196 71 

1,000 00 



Total premium income, 



$21,402,966 bo 



METROPOLITAN LIFE INSURANCE COMPANY. 



99 



Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Profit on securities sold, 



Total income, 

Net or ledger assets Dec. 31, 1896, .... 

Total, 

Disbursements. 

Paid for losses, 

Paid for matured endowments, .... 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes or loans voided by lapse, 

Cash dividends paid policy holders, 

Surrender values paid, 



$1,177,138 15 

10,943 37 

338,027 85 

52,181 27 



$22,981,257 19 
. 29,847,271 66 



ees, 



Total paid policy holders, . 
Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents (new pol 
cies, $553,058.24; renewals, $2,703,876.37), 

for salaries and allowances to managers and agents 

for medical examiner's fees and inspections, 

for salaries of officers and home office employ 

for taxes on premiums, 

for taxes on reserves, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, 4 . 

for commuting commissions, 

for advertising, printing, postage, etc., 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 
Agents' deposits returned, .... 
On account real estate, 



Total disbursements, 
Balance, 



$52,828,528 85 

$6,990,866 50 
220 00 



1,991,086 50 

600 00 

113,646 26 

517,512 82 

108,949 73 



^7,731,795 31 
140,000 00 

3,256,934 61 

1,982,065 34 

444,614 33 

913,899 16 

162,055 06 

5,291 19 

54,301 87 

15,567 44 

219,892 63 

1,148,754 78 

302,930 47 

107,443 62 

46,014 64 

134,610 97 

47 48 

305,657 83 

20,941 82 

258,241 83 

$17,251,060 38 



$35,577,468 47 



Invested in the following : — 

Assets as per Ledger Accounts. 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 



$8,470,033 67 

13,228,368 00 

36,942 33 



100 



METROPOLITAN LIFE INSURANCE COMPANY. 



Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, ...... 

Agents 1 debit balances, 



Total net or ledger assets, as per balance, 



$367,669 30 

10,984,243 38 

227,097 43 

2,252,040 77 

11,073 59 



$^5,577,468 47 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over cost, . 



285,172 91 

13,931 81 

141,975 37 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$55,508 83 
112,435 20 



Renewals. 

$38,259 24 
198,667 20 



$167,944 03 §236,926 44 
33,588 81 47,385 29 



£134,355 22 $189,541 15 



Net amount of uncollected and deferred premiums (inter- 
mediate), 

Net amount of uncollected premiums (industrial), 

Total assets, per company's books, .... 



323,896 37 

152,392 98 
100,015 28 

$36,594,853 19 



Items not admitted. 
Agents 1 debit balances, 

Total admitted assets, .... 
Deduct special deposits in other States, . 



Balance, 



11,073 59 

$36,583,779 60 
317,346 00 

$36,266,433 60 



Liabilities. 

•Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $29,788,797 00 
Premium obligations in excess of net values of their policies, 173,712 74 

Policy claims unpaid, 111,059 78 

Unpaid dividends of surplus due policy holders, . . . 5,090 65 

Premiums paid in advance, 101,866 23 

Due for taxes, fees, salaries, expenses, etc., .... 120,369 60 



METROPOLITAN LIFE INSURANCE COMPANY. 



101 



Agents' bond deposits, $52,632 54 

Dividend reserve, 500,000 00 



Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Paid-up capital, . . '. 

Surplus over capital, 



. $5,672,220 56 



Gross liabilities, 



$30,853,528 54 
259,315 50 

$30,594,213 04 

. 2,000,000 00 
. 3,672,220 56 

$36,266,433 60 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, 
Premium notes received during 1897, 

Total 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy holders 
Redeemed by maker in cash, . 

Total, 



$61,891 95 
431,071 88 



$2,930 19 

8,470 68 

113,646 26 

36 02 

211 38 



$492,963 83 



125,294 53 



Balance note assets Dec. 31, 1897, 



367,669 30 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 20,134 $22,737,863 00 
Endowment, . . . 5,271 6,294,161 00 
All other, .... 320 1,510,827 00 

25,725 $30,542,851 00 



Whole life, 
Endowment, 
All other, . 



Policies issued and revived during the Year. 

. 10,455 $12,265,034 00 
. 3,334 3,840,880 00 
110 1,018,061 00 
13,899 17,123,975 00 



Total 39,624 $47,666,826 00 

Policies terminated during the Year. 

Whole life, . . . 5,417 $6,316,395 00 
Endowment, . . . 1,353 1,552,011 0) 
All other, .... 95 672,054 00 



6,865 $8,510,460 00 



102 



METROPOLITAN LIFE INSURANCE COMPANY. 





How terminated. 








Number. 


Amount. 


Total No. 


Total Amount. 


By death, . 


271 


$315,781 00 






maturity, 


1 


220 00 






surrender, . 


706 


857,786 00 






lapse, . 


5,204 


6,038,612 00 






change and decrease, . 


267 


523,118 00 






Not taken, 


416 


- 804,943 00 


6,865 


88,540,460 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1897. 

. 25,172 $28,686,502 00 
. 7,252 8,583,030 00 
335 1,856,834 00 
32,759 



Intermediate policies in force, . 
Industrial policies in force, 



39,126,366 00 



. 20,030 10,015,000 00 
4,028,722 534,343,756 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Consolidated stock, city of New York, . . $100,125 00 $89,000 00 

Franklin Trust Company stock, . . . 56,480 50 53,360 00 

Hamilton Trust Company stock, . . . 129,060 00 155,877 00 

Metropolitan Trust Company stock, . . 45,225 00 46,500 00 

People's Trust Company stock, . . . 5,015 00 4,920 00 

United States Trust Company stock, . . 76,725 00 83,950 00 

Thames National Bank stock 26,535 00 29,280 00 

National Shoe & Leather Bank stock, . . 52.282 50 41,895 00 

Dominion of Canada stock, .... 247,993 00 252,396 00 

Ellwood Short Line R.R. Co. stock, . . 36,600 00 36,600 00 

Morris & Essex R.R. Co. stock, . . . 18,675 00 18,900 00 

Northwestern Telegraph Co. stock, . . 15,450 00 16,500 00 

Sharon, Pa, Railway Co. stock, . . . 21,000 00 22,400 00 

Sioux City Traction Co. stock, .... 5,000 00 600 00 

St. Joseph & Grand Island RR. Co. stock, . 30,404 57 20,512 50 

United States bonds, 162,963 72 177,888 75 

Akron & Chicago Junction R.R. bonds, . . 99,750 00 85,000 00 

Atlantic Avenue, Brooklyn, R R. bonds, . . 472,250 00 465,500 00 

Baltimore & Ohio R.R. bonds, . . . . 125,000 00 103,125 00 

Baltimore Belt R.R. bonds, .... 75,93750 60,00000 

Brooklyn City R.R. bonds 217,000 00 234,000 00 

Brooklyn Union Gas Co. bonds, . . . 211,000 00 223,500 00 

Baltimore & Ohio Equipment Co. bonds, . 147,137 50 146,450 00 

Baltimore & Ohio receiver's certificate, . . 55,550 00 55,550 00 

Boston Electric Light Co. bonds, . . . 162,250 00 168,000 00 



METROPOLITAN LIFE INSURANCE COMPANY. 



103 



Belleville & Carondelet R.R. bonds, 
Boston United Gas, Bay State Gas Co.jN.J.JoMs, 
Cleve., Columbus, Cinn. & Indian. R.R. bonds, 
Chic., Mil. & St. Paul R.R. bonds, . 
Chicago & Indiana Coal R.R. bonds, 
Chicago & Western Indiana R.R. bonds, . 
Columbus & Toledo R.R. bonds, 
Chicago & Eastern Illinois R.R. bonds, . 
Central R.R., New Jersey, bonds, . 
Chic, R. I. & Pacific R R. bonds, . 
Central Ohio R.R. bonds, .... 
Cleve., Cinn., Chic. & St. Louis R.R. bonds, 
Charleston & Savannah Railway bonds, . 
Columbia & Greenville R.R. bonds,. 
Central Georgia R.R. bonds, . 
Cleveland, Akron & Columbus R.R. bonds, 
Duluth & Iron Range R.R. bonds, . 
Detroit & Mackinac R.R. bonds, 
Detroit & Bay City R.R. bonds, 
Ellwood Short Line R.R. bonds, 
Edison Electric Illuminating bonds, 
Fulton Street R.R bonds, .... 
Hannibal & St. Joseph R.R. bonds, . 
Indiana, Decatur & Western Railway bonds, 
Louisville, New Albany & Chicago R'y bonds 
Lake Erie & Western R.R. bonds, . 
Lincoln Street, Neb., R.R. bonds, 
Lehigh & New York R.R. bonds, 
Long Island City & Flushing R.R. bonds, 
Minneapolis & St. Louis R.R. bonds, 
Morgan's La. & Texas R.R. & S.S. Co. bonds, 
Missouri Pacific Railway bonds, 
Metropolitan St. Railway Co bonds, 
Milwaukee & St. Paul Railway bonds, . 
Northern Illinois Railway bonds, 
N. Y. City Suburban Water Co. bonds, . 
Northern Ohio R.R. bonds, 
Nashville, Chatt. & St. Louis Railway bonds, 
North Chicago City Railway Co. bonds, . 
New York & East River Gas Co. bonds, . 
Northern Pacific Terminal Co. bonds, 
N. Y. & N. J. Telephone Co. bonds, 
Ohio River R.R. bonds, .... 
Omaha Horse R.R. bonds, 
Pacific R.R of Missouri bonds, 
Pittsburgh & Connellsville R.R. bonds, . 
Pittsburgh, Cleveland & Toledo R.R. bonds, 
Panama R.R. bonds, 



Cost Value. 

$28,625 00 
92,500 00 
33,965 00 

155,077 50 
46,218 75 
77,125 00 

130,667 50 
57,527 50 

430,750 00 

26,968 75 

9,950 00 

41,170 30 

189,375 00 
37,410 00 
45,250 00 

160,875 00 
28,364 16 
60,468 75 
44,985 00 
23,687 50 

137,187 50 
46,875 00 
30,386 25 

214,875 00 
52,920 00 

247,975 00 
31,490 00 

225,904 94 

145,460 00 

277,933 75 
39,450 00 
56,312 50 

755,535 00 
27,700 00 
26,750 00 
22,875 00 

505,927 96 

198,375 00 

256,250 00 

186,965 00 
79,550 00 

112,750 00 
94,750 00 
15,000 00 

216,700 00 
15,330 00 
45,150 00 

302,250 00 



Market Value. 

$31,000 00 
91,000 00 
36,830 00 

166,607 50 
50,750 00 
80,400 00 

123,270 00 
60,500 00 

450,000 00 
26,875 00 
10,000 00 
48,000 00 

192,000 00 
38,280 00 
48,500 00 

150,000 00 
32,240 00 
24,450 00 
44,090 00 
25,000 00 

137,500 00 
48,750 00 
30,500 00 

225,780 00 
55,370 00 

260,000 00 
10,322 00 

227,500 00 

146,200 00 

286,360 00 
41,400 00 
46,750 00 

820,605 00 

28,300 00 

27,250 00 

7,060 00 

500,000 00 

206,000 00 

260,000 00 

198,740 00 
78,070 00 

113,000 00 

102,000 00 
15,000 00 

230,000 00 
15,525 00 
46,440 00 

305,250 00 



104 



THE MUTUAL LIFE INSURANCE COMPANY. 



Peoria & Pekin Union Railway bonds, . 
Rochester Gas & Electric Co. bonds, 
St. Joseph & Grand Island R.R. bonds, . 
St Paul & Northern Pacific R.R. bonds, 
St. Paul City Cable R.R. bonds, . 
St. Louis & Iron Mountain R.R bonds, . 
Savannah, Florida & Western R R. bonds, 
Terre Haute & Indiana. R.R. bonds, 
Toledo & Ohio Central R.R. bonds, 
Thirty-fourth St. Crosstown R.R. bonds, 
Ulster & Delaware R.R. bonds, 
Union Pacific R.R. bonds, 
Virginia Century bonds, . 
Virginia Midland Railway Co. bonds, . 
West Side R.R., Milwaukee, bonds, 
Western Gas Co. bonds, .... 
West Chicago Street R.R. bonds, . 



Cost Value. 

$61,065 00 

201,897 50 

32,876 68 

58,692 50 

52,250 00 

677,400 00 

41,625 00 

25,625 00 

136,223 80 

112,500 00 

199,625 00 

259,820 00 

10,450 00 

249,375 00 

60,525 00 

44,275 00 

75,020 00 



Market Value. 

£61,005 00 

204,000 00 

17,750 00 

64,250 00 

52,250 00 

696,910 00 

45,140 00 

26,750 00 

133,000 00 

115,000 00 

205,000 00 

256,465 00 

13,800 00 

255,010 00 

64,800 00 

47,940 00 

75,920 00 



$10,984,243 38 $11,126,218 75 



"THE MUTUAL LIFE INSURANCE COMPANY," NEW 

YORK, NY. 

[Incorporated April. 1842. Commenced business Feb. 1, 1843.] 

Richard A. McCurdy, President. William J. Eastox, Secretary. 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, .... 
Dividends applied to purchase paid-up additions, . 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance 
Received for annuities, .... 



Total premium income, 
Received for interest, .... 
Received for rents of company's property, 
Profit on securities sold, .... 



Total income, 

Net or ledger assets Dec. 31, 1896, . 

Total, 

Disbursements 
Paid for losses and additions, . 
Paid for matured endowments and additions, 

Gross amouut paid for losses and endowments, 



$5,109,966 34 

28,192,20-4 65 

2,507,521 34 

890,738 69 

2,563,078 00 

3,429,692 97 

$42,693,201 99 

. 9,805,843 69 

933,129 27 

730,433 28 

$54,162,608 23 

222,481,698 61 

$276,644,306 84 



$13,279,630 66 
. 2,033,433 38 

$15,313,064 04 



THE MUTUAL LIFE INSURANCE COMPANY. 



105 



Paid to annuitants, 

Cash dividends applied to purchase paid-up additions, . 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance, 

Total paid policy holders, 



. $769,260 22 
. 2,507,521 34 
. 3,948,393 13 
890,738 69 
, 2,563,078 00 

$25,992,055 42 



Cash paid for commissions and bonuses to agents (new poli- 
cies, $3,696,693.91 ; renewals, $1,816,245.89), . 

for salaries and allowances to managers and agents, 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for insurance taxes, 

for taxes on real estate, etc., 

for rent, 

for advertising, printing, postage, etc , . 

for legal expenses, 

for real estate expenses (except taxes), . 

for incidentals, 

Profit and loss account, 

On account depreciation of real estate, 



Total disbursements, . 



5,512,939 80 
965,063 71 
421,501 00 
646,426 67 
387,134 95 
211,955 10 
175,000 00 
735.235 93 
271,862 28 
412,418 52 
301,981 60 
90,486 01 
. 2,325,039 10 

$38,449,100 09 



Balance, 



$238,195,206 75 



Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 debit balances, 

Suspense account, 



Total 

Deduct agents' credit balances, etc., 

Total net or ledger assets, as per balance, 



$21,618,454 88 

. 69,423,937 31 

. 12,880,308 00 

122,119,902 18 

8,909 43 

. 11,696,286 39 

195,846 55 

280,000 00 



$238,223,644 74 
28,437 99 



$238,195,206 75 



Other Assets. 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over book,. 



2,049,841 93 

115,475 16 

9,897,439 27 



106 



THE MUTUAL LIFE INSURANCE COMPANY. 



New Business. Renewals. 



Uncollected premiums on poli- 
cies in. force, .... $33,699 07 $2,206,359 26 

Deferred premiums on policies 

in force, 147,810 98 2,016,157 30 



Total $181,510 05 $4,222,516 56 

Deduct loading (20 per cent.), . 36,302 01 844,503 31 



Net amount of uncollected and 
deferred premiums, . . $145,208 04 $3,378,013 25 



$3,523,221 29 



Total assets, per company's books, . 



$253,781,184 40 



Items not admitted. 



Agents' debit balances, 
Suspense account, 
Total, . 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$195,846 55 
280,000 00 



475,846 55 



1.305,337 85 
. 6,264,078 03 



$247,041,259 82 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $216,365,472 00 
Deduct net value of reinsured risks, 2,001 00 



Net reserve, .... 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Premiums paid in advance, 
Liability under non-forfeiture clause, 

Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Gross liabilities, .... 



$216,363,471 00 

£94,788 72 

650,951 73 

318,010 30 

60,163 08 

1,123,913 83 

281,625 24 
413,828 00 

8218,182,838 07 
. 5,858,292 44 

8212,324,545 63 
. 34,716,714 19 



$247,041,259 B2 



THE MUTUAL LIFE INSURANCE COMPANY. 



107 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1S96. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

.263,545 $738,240,901 00 

. 63,105 155,166,793 00 

125 469,766 00 

24,053,451 00 

326,775 $917,930,911 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
; 45,751 $110,902,168 00 
. 9,828 20,038,753 00 
291 810,870 00 
55,870 



131,751,791 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 
Total, . 



Old Policies revived. 

1,414 $3,983,425 00 

345 818,816 00 

12 59,269 00 



- 1,771 4,861,510 00 

4,019,160 00 

384,416$1,058,563,372 00 



Policies terminated during the Year. 
Whole life, . . . 34,331 $101,734,444 00 
Endowment, . . . 7,190 16,085,943 00 
All other, .... 253 5,140,604 00 





41,774 


$122,960,991 00 




How terminated. 


By death, . . . 


. 4,064 


$13,332,227 00 


maturity, 


772 


2,108,547 00 


expiry, . 


163 


1,026,308 00 


surrender, . 


. 12,722 


32,102,401 00 


lapse, . 


. 24,053 


71,223,270 00 


change and decrea 


se, . 


3,168,238 00 



41,774 122,960,991 00 



Policies in Force Dec. 31, 1897. 
Whole life, . . . 276,379 $751,392,050 00 
Endowment, . . . 66,088 159,938,419 00 

All other 175 580,091 00 

Reversionary additions, . - 23,691,821 00 

342,642 935,602,38100 



103 



THE MUTUAL LIFE INSURANCE COMPANY. 



Schedule A. 
Securities held as Collateral. 

Market Valne. 

Chicago & Alton R.R. stock $18,40 J 00 ^ 

Rensselaer & Saratoga R.R. stock, . . . 58,100 00 

National Bank of Commerce stock, . . . 41,000 00 

National Park Bank stock, .... 45,760 00 j 

Pittsburg, Ft. Wayne & Chicago R'y stock, . 73,610 00 

•American Exchange National Bank stock, . 36,720 00 

Merchants' National Bank stock, . . . 28,782 50 } 

United States Trust Co. stock, .... 58,300 00 

Mo., Kansas & Texas Railway bonds, . . 56,100 00 

Kansas City & Pacific Railway bonds, . . 17,500 00 

Erie R.R. bonds, 69,300 00 

Northern Pacific Railway bonds, . . . 94,000 00 

Booneville Bridge bonds, 15,150 00 

Balto. & Ohio Southwestern Railway bonds, . 37,2u0 00 

Western Union Telegraph Co. stock, . . 637,000 00 

Fairmont, Morganst'n & Pittsburg R.R. bonds, 300,000 00 

Western Union Telegraph Co. stock, . . 118,300 00 

United States Express Co. stock, . . . 20,000 00 

Title Guarantee & Trust Co. stock, . . . 27,000 00^ 

Long Island Loan & Trust Co stock, . . . 16,800 00 

Edison Electric Illuminating Co. stock, . . 10,700 00 

King's County Trust Co. stock, . . . 4,125 00 [ 

New York Mutual Gas Co. stock, . . . 7*500 00 

Pitts., Cleve. & Toledo R.R. bonds, . . . 1,000 00 

St. Louis, Iron Mount. & Southern R'y bonds, 850 00 > 

Cleveland Terminal & Valley R.R bonds, . 337,500 00 

Michigan Central R.R. stock, .... 10,000 00 >j 

Albany & Susquehanna R.R. stock, . . . 2,160 00 

Boston & N. Y. Air Line R.R. stock, . . 11,340 00 

Western Union Telegraph Co. stock, . . 9,100 00 ')> 

Chic, Milwaukee & St. Paul Railway stock, . 9,400 00 

Chicago & Northwestern Railway stock, . . 8,000 CO 

West Shore RR. bonds, . . . . 12,720 00 J 

Delaware, Lackawanna & Western R.R. stock, 15,500 00' 

N. Y., Chicago & St. Louis R.R. stock, . . 21,000 00 

Pullman Palace Car Co. stock, . . . 34,000 00 

Pennsylvania R.R. stock 5.700 00 

Chicago, Burlington & Quincy R.R. stock, . 19,800 00 j> 

Mo., Kansas & Texas Railway bonds, . . 6,200 00 

Atchison, Topeka & Santa Fe Railway bonds, 8,900 00 

Rio Grande Western Railway bonds, . . 8,000 00 

United States Leather Co. bonds, . . . 5,600 00 J 

Chicago, Burlington & Quincy R.R. stock, . 49,500 00 

Union Pacific R.R. bonds, 89,600 00 

New York city bonds, . ... . . 47,250 00 



Loaned Thereon. 



$500,000 00 



} 



31,308 00 
775,000 00 

95,000 00 



53.000 00 



250,000 00 



50,000 00 



100,000 00 



150,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



109 



Pennsylvania R R. stock, .... 

Chicago, Burlington & Quincy R R. stock, 

Chic, St. Paul, Minn. & Omaha R'y stock, 

Met. Street Railway bonds, 

Union Pacific R R. bonds, .... 

New York city bonds, .... 

Chicago, Rock Island & Pacific R'y stock, 

Chicago, Burlington & Quincy R.R. stock, 

Western Union Telegraph Co. stock, 

St. Louis & Iron Mountain Railway bonds, 

Wabash R.R. bonds, . 

Union Pacific Railway bonds, . 

Missouri Pacific Railway bonds, 

Mobile and Ohio R.R. bonds, . 

Canada Southern Railway bonds, 

Southern Pacific Railway bonds, 

Consolidated Gas Co. of N. Y stock, 

Delaware, Lack. & Western R.R. stock, 

Central R R. of N. J. stock, 

Southern Railway bonds, . 

Illinois Central R.R. stock, 

Pullman Palace Car Co. stock, . 

American Telegraph & Cable Co. stock, 

Chicago & Northwestern Railway stock, 

Canada Southern Railway stock, 

Chic , St. Paul, Minn. & Omaha R'y stock, 

International & Gt. Northern R.R. bonds, 

N. Y., Chicago & St. Louis R.R. bonds, . 

Lehigh & Wilkesbarre Coal Co. bonds, . 

Tenth & 23d Sts. Ferry bonds, . 

American Cotton Oil Co. bonds, 

Brooklyn Wharf & Warehouse Co. bonds, 

Peoria & Eastern R.R. bonds, . 

Richmond & Danville R.R. bonds, . 

San Antonio & Aransas Pass Railway bonds, 

N. Y., Sus. & Western R R. bonds, . 

American Bell Telephone Co. stock, 

The Frank Jones Brewing Co. bonds, 

Texas & Pacific Ry. bonds, 

Central Pacific R.R. bonds, 

Western Pacific R.R. bonds, 

St Louis & San Francisco Ry bonds, 

Chi. & Northwestern Ry. bonds, 

Atchison, Topeka & Santa Fe Ry. bonds, 

Chesapeake & Ohio Ry bonds, 

Southern Railway Co. bonds, . 

Virginia Midland Ry. bonds, . 

Chi , Rock Island & Pacific Ry. bonds, . 

Oregon Short Line R.R. bonds, 



Market Value. Loaned Thereon. 

$68,400 00 ^ 



49,500 00 
29,000 00 
11,300 00 
39,200 00 
42,000 00 J 
17,800 00^| 
32,670 00 
27,300 00 

5,200 00 
20,000 00 } 
11,000 00 

4,650 00 

1,400 00 

2,140 00J 

75,600 00 

87,500 00 ^ 

155,000 00 I 

332,500 00 [ 

46,000 00 j 

103,000 00 n 

17,000 00 V 

8,700 00 ) 
12,000 001 

5,100 00 
22,500 00 
10,790 00 
41,340 00 

9,900 00 

10,000 oo y 

1,080 00 
980 00 
700 00 
1,000 00 
590 00 
8,500 00 J 
9,100 00 
494,991 00 
50,400 00 1 
500,000 00 
350,000 00 
50,160 00 
17,250 00 
235,850 00 J 
32,800 00 1 
18,400 00 
10,300 00 
53,000 00 I 
12,300 00 J 



> $200,000 00 



100,000 00 



50,000 00 



500,000 00 



100,000 00 



100,000 00 



5,000 00 
350,000 00 



} 1,000,000 00 



► 100,C00 00 



110 



THE MUTUAL LTFE INSURANCE COMPANY. 



Manufacturers' National Bank, N. Y., stock, 

Ninth Avenue R.R. stock, . 

Nassau National Bank, Brooklyn, stock 

Chi., Mil. & St. Paul Ry. bonds, 

Chesapeake & Ohio Ry. bonds, 

Knoxville & Ohio R.R. bonds, . 

Rich. & Danville R.R. bonds, . 

Texas and Pacific Ry. bonds, . 

Lake Shore & Mich. South'n Ry. stock, 

Chic. Burl. & Quincy R.R. stock, 

Beech Creek R R. bonds, . 

Mil., Lake Shore & Western Ity. bonds, 

Western Union Telegraph Co. bonds, 

Burl., Cedar Rapids & Nor. R.R. bonds, 

Chesa. & Ohio Ry. bonds, . 

Louisville, New Albany & Chic. Ry. bonds, 

Lake Shore & Mich. South'n Ry. stock, 

Chicago & Northwestern R} r . stock, 

Lake Erie & Western R.R. stock, 

Rome, Watertown & Ogdensburg R.R stock 

American Telegraph & Cable Co. stock 

Central R.R. of N. J. bonds, 

Chesa. & Ohio Ry. bonds, 

Western Union Telegraph Co. bonds, 
Wagner Palace Car Co. stock, . 
Farmers 1 Loan & Trust Co. stock, . 
Chicago, R. I. & Pacific Ry. stock, . 
Canada Southern Ry. stock, 
Chicago, Mil. & St. Paul Ry. stock, . 
Buffalo & Erie R R. bonds, 
Canada Southern Ry. bonds, . 
Escanaba & Lake Superior Ry. bonds, 
Det., Monroe & Toledo R.R. bonds, . 
Chicago & Northwestern Ry. stock, 
Clev. Cinn., Chi. & St. Louis Ry. stock, 
Canada Southern Ry. stock, 
Brooklyn City R.R. stock, 
Rome, Watertown & Ogd'burg R.R. stock 
Illinois Central R.R. stock, 
Chicago, R. I. & Pacific Ry. stock, . 
Farmers' Loan & Trust Co. stock, . 
Wagner Palace Car Co. stock, . 
Mo , Kansas & Texas Ry bonds, 
Canada Southern Ry. bonds, 
Tennessee Coal & Iron Co. bonds, . 
N Y. Central & Hudson River R.R. stock 
Chicago, Mil. & St. Paul R'y stock, . 
Milwaukee & Northern R.R. bonds, 
Mil., Lake Shore & Western R R. bonds, 



} 



Market Value. 

$7,200 00 
22,500 00 
13,750 00 
32,880 00 > 
12,300 00 
30,800 00 I 
25,000 00 
14,250 00 j 
17,000 00 ; 
59,400 00 
20,600 00 

1,350 00 j, 
10,500 00 
6,360 00 
4,600 00 

11,000 go; 

17,000 00 ^ 
16,000 00 
7,000 00 
6,000 00 
1,392 00 
1,080 00 
9,200 00 
5,450 00 J 
9,300 00 \ 
7,631 25 
8,900 00 
5,100 00 
9,400 00 }> 
1,020 00 
10,700 00 
10,700 00 

5.750 00 ^ 
6,000 00^ 
1,560 00 
5,100 00 
3,900 00 
1,200 00 

1.751 00 
17,800 00 " 

7,631 25 
7,750 00 
850 00 
7,530 00 
3,480 00 J 
21,200 00 a 
28,200 00 ' 
7,320 00 i 
4,050 00 J 



Loaned Thereon. 

125,000 00 
100,000 00 



100,000 00 



}► 50,000 00 



50,000 00 



50,000 00 



}► 50,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



Ill 



Chicago, Mil. & St. Paul R'y stock, . 
Illinois Central R.R. stock, 
Chesa. & Ohio R'y bonds, 
Chicago, Mil. & St. Paul R'y stock, . 
Chic, St. Paul, Minn. & Omaha R'y stock, 
N. Y. Central & Hudson River R.R. stock, 
Chicago, R. I. & Pacific R'y stock, . 
Canada Southern R'y bonds, 
Chicago, R. I. & Pacific R'y stock, . 
Chicago, Bur. & Quincy R.R. stock, 
Chesapeake & Ohio R'y bonds, 
Morris & Essex R.R. bonds, 
Jackson County, Mo , bonds, . 
Wilson County, Kan., bonds, . 
Shawnee County, Kan., bonds, . 
Cloud County, Kan , bonds, 
Coffee County, Kan., bonds, 
Sheridan Township, Kan., bonds, 
Ottawa County, Kan., bonds, . 
N. Y. Central & Hudson River R.R. stock, 
Chicago, Burlington & Quincy R.R. stock, 
Wabash R.R. bonds, .... 
Bond & Mortgage Guarantee Co. stock, 
Title Guarantee & Trust Co. stock, . 
N Y., N. H. & Hartford R.R. stock, 
Chicago, Mil. & St. Paul R'y stock, . 
Toledo, Peoria & Western R.R. bonds, 
Mil. & St Paul R'y bonds, 
Virginia State bonds, 
Michigan Central R.R. bonds, . 
Central of Georgia R'y bonds, . 
Chicago, Mil. & St. Paul R'y bonds, 
Tennessee Coal & Iron bonds, . 
Toledo, Peoria & Western R.R. bonds, 
New York & Harlem R.R. bonds, . 
Wabash R.R. bonds, .... 
Central R.R. of N. J. stock, 
Del., Lac. & Western R.R. stock, 
Central R R. of N. J stock, 
Delaware, Lack. & Western R.R. stock, 
Spring Brook Water Supply bonds, . 
Central R.R. of N.J. stock, 
Delaware, Lack & Western R.R. stock, 
Spring Brook Water Supply bonds, . 
Central Trust Co. stock, . 
Franklin Trust Co stock, . 
Chicago, Mil. & St. Paul Railway stock, 
N. Y. Central & Hudson River R.R. stock, 
Chicago & Northwestern Railway stock, 
Northern Pacific Railway bonds, 



Market Value. 

$18,800 00 \ 
10,300 00 S 
32,800 00 ) 
75,200 00 v 
14,500 00 
21,200 00 y 
4,450 00 I 
5,450 00 J 
44,500 00 \ 
9,900 00 S 
5,740 00 ) 
14,000 00 
5,200 00^ 
3,240 00 
2,000 00 
9,120 00 )> 
4,240 00 
500 00 
8,050 00 J 
21,200 00 > 
39,600 00 
4,280 00 J 
9,250 00 > 
20,250 00 
1,800 00 J 
9,400 00 > 
10,500 00 
13,800 00 
9,520 00 
9,540 00 
9,100 00 
19,320 00. 
10,440 00 ) 
7,000 00 
21,600 00 
3,210 00 J 
123,500 00 ) 
77,500 00 S 
171,000 00 \ 
62,000 00 i 
95,000 00 ) 
171,000 00 n 
62,000 00 S 
95,000 00 ) 
125,000 00 ) 
16,125 00 S 
42,000 00 >j 
10,600 00 
12,000 00 
58,200 00 J 



Loaned Thereon. 

$50,000 CO 

100,000 00 

50,000 00 
9,000 00 

25,000 00 



50,000 00 



25,000 00 



} 50,000 00 



50,000 00 



150,000 00 



250,000 00 



250,000 00 



100,000 00 



}> 100,000 00 



112 



THE MUTUAL LIFE INSURANCE COMPANY. 



Chicago, Milwaukee & St. Paul R'y stock, 

Canada Southern Railway stock, 

N. Y. Central & Hudson River R.R. bond-, 

Long Island R.R. bonds, .... 

N. Y. Central & Hudson River R.R. bonds, 

Chicago & Northwestern Railway stock,. 

Western Union Telegraph Co stock, 

Buffalo & Erie R.R bonds, 

N. Y. Central & Hudson River R R. bonds, 

Manhattan Railway Co. stock, . 

Canada Southern Railway stock, 

N. Y. Central & Hudson River R.R. bonds, 

New York & Harlem R.R. bonds, . 

Chicago & Northwestern Railway stock, . 

N. Y. Central & Hudson River R.R. bonds, 

New York & Harlem R.R. bonds, 

Metropolitan Elevated R R. bonds, . 

N. Y. Central & Hudson River R.R. bonds, 

Lon£ Island R.R. bonds, .... 

Consolidated Gas Co. stock, 

N Y. Central & Hudson River R.R. bonds, 

Chicago & Northwestern Railway stock,. 

N. Y Central & Hudson River R.R. bonds, 

Metropolitan Elevated R.R. bonds, . 

Long Island R.R. bonds, .... 

Savannah, Flo. & Western R.R bonds, . 

Northern Railway of California bonds, . 

Southern Pacific R.R. bonds, . 

San Antonio & Aransas Pass Railway bonds, 

Northern Railway bonds, , . . . 

Southern Pacific R.R. bonds, . 

San Antonio & Aransas Pass Railway bonds, 

First National Bank, N. Y., stock, . 

Central R.R. of N. J. stock, 

Manhattan Storage & Warehouse Co stock, 

Clearfield & Mahoning R'y stock, . 

Manhattan Storage & Warehouse Co. stock, 

Buffalo, Roch. & Pittsburg R R. bonds, . 

Metropolitan Street R'y stock, . 

Brooklyn Wharf & Warehouse Co. bonds, 

Atch , Topeka & Santa Fe R'y bonds, 

Northern Pacific R'y bonds, 

Central Trust Co. stock, .... 

Metropolitan Street R'y stock, . 

Atch , Topeka & Santa Fe R'y bonds, 

Metropolitan Street R'y bonds, 

Lake Erie & Western R.R. stock, 

Erie R.R bonds, 

Duluth, So. Shore & Atlantic R'y bonds, . 
Mo., Kansis & Eastern R'y bonds, . 



Market Value. 

128,200 UCH 

5,100 00 | 

2,300 00 ). 
18,360 00 I 

8,240 00 j 
36,000 00 ^ 

9,100 00 I 
10,200 00 . 

6,900 00 J 
33,000 00 1 



Loaned Thereon. 



$50,000 00 



50,000 00 



7,660 00 



8,800 00 
14,040 00 J 
12,000 00^ 
31,050 00 
5,400 00 
7,280 00 
2,060 00 
4,080 00 J 
17,500 00 
46,000 00 
48,000 00 >| 
36,800 00 
5,200 00 I 
2,040 00 J 
138,000 00 
332,500 00 -\ 
385,000 00 S 
38,350 00 ) 
285,000 00^ 
437,500 00 S 
38,350 00 J 
750,900 00 ) 
285,000 00 S 
105,000 00 > 
360,000 00 S 
157,500 00 ) 
100,000 00 S 
780,000 00 
14,700 00 
13,350 00 
4,700 00 
187,500 00 
117,000 00 
116,000 00 
78,120 00 
14,000 00 ^ 
40,500 00 
26,000 00 
47,000 00 



)> 50,000 00 



i 

} 50,000 00 

50,000 00 

y 75,000 00 

100,000 00 

500,000 00 

500,000 00 

300,000 00 

300,000 00 

200,000 00 

500,000 00 

25,000 00 

140,000 00 

250,000 00 

100,000 00 



1 



i 

1 



THE MUTUAL LIFE INSURANCE COMPANY. 



113 



Forty-second St., Man. & St. Nich. Ave. bonds, 

Burl., Cedar Rapids & North. R'y bonds, . 

Rome, >Vatertown & Ogd'burg R.R. bonds, 

Cinn. & Springfield R.R. bonds, 

West Va. & Pittsburg R.R. bonds, . 

Chicago, Burl. & North. R.R. bonds, 

Illinois Central R.R. stock, 

N. Y. Central & Hudson River R.R. stock, 

Pacific of Mo. R.R. bonds, 

Chic, R. I. & Pacific R'y stock, 

Chicago, Mil. & St. Paul R'y stock, . 

N. Y. Central & Hudson River R.R. stock, 

Chicago, Burl. & Quincy R.R. stock, 

Third Avenue R.R. bonds, 

Atch , Topeka & Santa Fe R'y bonds, 

Lake Shore & Mich. Southern R'y bonds 

Michigan Central RR bonds, . 

Chicago, Mil. & St. Paul R'y stock, 

Lake Shore & Mich. South. R'y bonds, 

Chicago & Northwestern R'y bonds, 

Laclede Gas Light Co. bonds, . 

Canada Southern Railway stock, 

Western Union Telegraph Co. stock, 

New York Central & Hudson Riv. R.R. stock 

Rio Graode Western Railway bonds, 

Reading Co. bonds, .... 

Atchison, Topeka & Santa Fe Railway bonds 

West Shore R.R. bonds, . 

Northern Pacific Railway bonds, 

Union Pacific Railway bonds, . 

Southern Railway bonds, . 

Dry Dock, East BVay & Battery R.R stock, 

Chicago, Milwaukee & St. Paul Railway stock 

Consolidated Gas Co. stock, 

Chicago, Burlington & Quincy R.R stock, 

Rio Grande Western Railway bonds, 

Chicago, Burlington & Northern R.R. bonds, 

Lehigh Valley R.R. bonds, 

Oregon R R. & Nav. Co bonds, 

Union Pacific R R. bonds,. 

Chicago & Northwestern Railway bonds, 

Consolidated Gas Co stock, 

Chicago, Burlington & Quincy R.R. stock, 

St. Paul, Minn. & Manitoba Railway stock, 

Reading Co. bonds, 

Richmond & Danville R.R. bonds, . 
Southern Railway bonds, .... 
Atchison, Topeka & Santa Fe Railway bonds, 
Chicago, Burlington & Quincy R.R. bonds, 



}► $22,000 00 



50,000 00 



)► 100,000 00 



100,000 00 



Market Value. Loaned Thereon. 

$5,750 00 ^ 

3,180 00 

8,400 00 

5,450 00 

3,500 00 

5,000 00 J 
51,500 00 ^ 
10,600 00 < 

3,120 oo; 

44,500 00^ 

9,400 00 I 
21,200 CO J 

9,900 00 
12,000 00 
13,350 00 
12,480 00 
11,400 00 J 
18,800 00 a 
52,000 00 \ 
46,400 00 

7,210 00 J 

5,100 00 ^ 

9,100 00 
10,600 00 
38,400 00 

9,130 00 
10,680 00 

5,300 00 
600 00 
12,430 00 
20,240 00 J 
2,247,400 00 1,850,000 00 
23,500 00 1 

8,750 00 

9,900 00 

5,600 00 
19,800 00 
10,200 00 

9,300 00 
28,000 00 

5,800 00 J 
17,500 00 >> 
24,750 00 

3,660 00 
10,790 00 

5,000 00 

4,600 00 

4,450 00 
22,000 00 ) 



;> 100,000 oo 



> 100,000 00 



> 75,000 00 



114 



THE MUTUAL LIFE INSURANCE COMPANY. 



Western Union Telegraph Co. stock, 

Louisville & Nashville R.B. bonds, 

Chesa. & Ohio R'y bonds, . 

Southern Railway bonds, . 

Col. & Ninth Avenue R R. bonds, 

Iowa Central R'y bonds, . 

Consolidated Gas Co. stock, 

Chicago & Northwestern Railway bonds 

N. Y., Lack. & Western Railway bonds, 

Missouri Pacific Railway bonds, 

Delaware, Lackawanna & f jWestern R.R stock, 

Chicago, Rock Island & Pacific Railway stock, 

St. Paul & Duluth R.R. stock, . 

Atchison, Topcka & Santa Fe Railway bonds, 

Lake Erie & Western R.R. stock, 

Wagner Palace Car Co. stock, . 

Delaware & Hudson Canal Co. stock, 

Lake Shore & Mich. South'n Ry. bonds, 

Warren R.R. bonds, .... 

Chicago, Burl. & Quincy R.R. bonds, 

Southern Railway bonds, . 

Chic & Eastern 111. R.R. bonds, 

Erie R R bonds, .... 

Warren R. R. bonds, .... 

Wabash R.R. bonds, . 

N. Y., N. H. & Hartford R.R. bonds, 

Southern Railway bonds, . 

St. Louis, Iron Mtn. & South'n Ry. bonds 

Morris & Essex R.R. stock, 

Chicago, Mil. & St. Paul Ry. stock, . 

Chi June. & Union Stock Y'ds bonds, 

Central R.R. of N J. bonds, 

Michigan Central R.R. bonds, 

Hoboken, N. J., bonds, 

Consumers' Gas Co. bonds, 

Morris & Essex R.R. bonds, 

Central of Ga. Ry. bonds, 

Erie R R. bonds, 

Chicago & Northwestern Ry. bonds, 

San Antonio & Aransas Pass Ry. bonds, 

American Tel. & Cable Co. stock, . 

N. Y. Central & Hudson River R.R stock, 

Western Union Telegraph Co. stock, 

Chicago & Northwestern Ry. stock, 

Del. Lack., & Western R R stock, 

Chicago, Mil. & St. Paul Ry. stock, 

Canada Southern Ry. stock, 

Reading Company bonds, 



Market Value. Loaned Thereon. 

$27,300 00 ' 

42,500 00 

20,500 00 . j 100 mo 00 

18,400 00 ( 

6,000 00 

5,880 O0.j 

17,500 00>| 



28,760 00 ( 



40,500 00 

1,860 00 J 
23,250 00 >| 



\ 75,000 00 



17,800 00 



7,500 00 
13,350 00 J 
14,000 00} 
15,500 00 
1,100 00 ! 
10,800 00 \ 
5,750 00 ' 
11,500 00 
1,840 00 >* 
5,050 00) 
15,950 00 
23,000 00 
10,700 00 \ 
2,800 00 
1,840 00 
3,400 00 ^ 
168,000 00) 
28,000 00 
5,250 00 
5,400 00 
45,600 00 
10,100 00 \ 
6,180 00 
25,200 00 
29,120 00 
26,100 00 
11,500 00 >* 
283,200 00 
8,700 00 >j 
21,200 00 
18,200 00 
24,000 00 
7,750 00 
9,400 00 
5,100 00 
29,050 00 J 



\ 50,000 00 



50,000 00 



50,000 00 



300,000 00 



200,000 00 



\ 100,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



115 



Lake Shore & Michigan Southern R'y stock, 
St. Paul, Minn. & Manitoba Railway stock, 
Chic, St. Paul, Minn. & Omaha R'y bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Evansville & Terre Haute R R. bonds, . 



Market Value. 

$102,000 00^1 

24,400 00 

6,750 00 

11,500 00 

5,000 00 



Loaned Thereon. 



J. $125,000 00 



Atchison, Topeka & Santa Fe Railway bonds, 3,560 00, 



$17,341,389 00 $12,880,308 00 



Schedule B. 



Slocks and Bonds owned by the Company. 



American Exchange Nat'l Bank stock, 

Albany & Susquehanna R R. stock, 

Atlantic Trust Co. stock, . 

Bank of America stock, 

Bank of New Amsterdam stock, 

Brooklyn City Railroad stock, . 

Brooklyn Trust Co. stock, 

Central Trust Co. stock, . 

Chicago & Northwestern R'y stock, 

Chicago, Mil. & St. Paul R'y stock, 

Cleveland & Pittsburgh R.R. stock, 

Connecticut River R R. stock, . 

Georgia Railroad & Banking Co. stock, 

Guaranty Trust Co. stock, 

Lawyers 1 Title Insurance Co. stock, 

Massawippi Valley R.R. stock, 

Michigan Central R.R stock, . 

Morris & Essex R.R. stock, 

National Bank of Commerce stock, 

National Safe Deposit Co. stock, 

National Union Bank stock, 

New York & Harlem R.R. stock, 

N. Y., N. H. & Hartford R.R. stock, 

Pennsylvania R.R stock, .... 

Pitts., Ft. Wayne & Chicago R'y stock, . 

Pitts., McKeesp't & Youghiogheny R R. stock 

Rensselaer & Saratoga R.R. stock, . 

Sixth Avenue R.R. stock, .... 

Title Guarantee & Trust Co. stock, . 

United New Jersey R.R. & Canal Co. stock, 

United States Mortgage & Trust Co. stock, 

United States bonds, 

Austrian government rentes, . 
British government consols, 
Cape of Good Hope government stock, . 
Canadian government bonds, . 



Book Value. 

$258,371 53 

30,341 70 

175,500 00 

47,695 07 

9,637 50 

1,194,174 43 

284,163 85 

1,116,284 89 

626,803 00 

1,206,238 08 

884,282 72 

493,000 00 

194,532 20 

1,200,181 33 

75,647 42 

35,000 00 

96,377 78 

492,220 03 

317,379 13 

109,815 63 

432,815 00 

892,929 45 

1,712,231 56 

1,382,612 49 

718,516 39 

303,925 00 

1,422,222 22 

348,751 44 

1,157,294 69 

60,408 78 

1,312,500 00 

1,713,542 00 

712,890 76 

99,422 81 

48,982 46 

153,840 00 



Market Value. 

$280,494 96 

38,168 00 

125,000 00 

49,876 00 

10,000 00 

1,428,217 20 
287,034 86 

1,244,340 00 
727,695 00 

1,393,800 00 
911,635 20 
503,000 00 
162,290 00 

3,586,734 00 
76,709 10 
35,728 00 
101,670 00 
528,550 00 
369,240 00 
109,815 63 
789,800 00 

1,426,345 00 

1,820,000 00 

1,387,875 00 
746,900 00 
332,500 00 

1,454,222 22 
374,000 00 

1,300,824 00 
67,815 00 

2,026,500 00 

1,854,900 00 

712,890 76 

108,454 90 

55,031 00 

153,840 00 



116 



THE MUTUAL LIFE INSURANCE COMPANY. 



Italian government rentes, 
Prussian government consols, . 
South Australian government stock, 
Tasmanian government stock, 
Transvaal government bonds, . 
Victorian government stock, . 
Arizona territory bonds, . 
Minnesota bonds, 

Province of New Brunswick bonds, 
Province of Nova Scotia bonds, 
Tennessee bonds, 
Virginia bonds, .... 
Atchison County bonds, . 
Butler County, Ohio, bonds, 
Chatham County, Ga , bonds, . 
Douglas Count} T , Neb., bonds, . 
Franklin County, Ky., bonds, . 
Franklin County, Ohio, bonds, . 
Hamilton County, Tenn., bonds, 
Hancock County, Ohio, bonds, . 
Hennepin County, Minn., bonds, 
Hudson County, N. J., bonds, . 
Kent County, Mich., bonds, 
Lucas County, Ohio, bonds, 
McCracken County, Ky., bonds, 
Montgomery County, Iowa, bonds, 
Otter Tail County, Minn., bonds, 
Ramsey County, Minn., bonds, . 
Sedgwick County, Kan., bonds, 
Vanderburgh County, Ind , bonds, 
Wells County, Ind , bonds, 
Woodbury County, Iowa, bonds, 
Atlanta, Ga , bonds, . 
Augusta, Ga , bonds, . 
Brooklyn, N.Y., bonds, 
Cedar Rapids, Iowa, bonds, 
Colorado Springs bonds, . 
Duluth, Minn., bonds, 
East Tacoma, Wash., bonds, . 
Elizabeth, N. J., bonds, . 
Evansville, Ind., bonds, . 
Guelph, Ont, bonds, . 
Hyde Park, 111., bonds, 
Jackson, Mich., bonds, 
Jersey City, N. J., bonds, . 
Joliet, 111., bonds, 
Lake, 111., bonds, 
Lincoln, Neb., bonds, 



Book Value. 

$548,987 00 

663,174 11 

25,516 36 

24,350 00 

49,386 67 

24,250 00 

15,031 50 

100,100 00 

219,212 75 

409,435 00 

2,365,400 00 

614,200 00 

122,693 00 

45,402 50 

62,088 90 

59,322 40 

62,049 60 

141,921 20 

206,100 00 

3,502 45 

201,560 00 

1,095,825 00 

30,078 00 

6,034 20 

209,653 60 

15,000 00 

49,996 80 

304,470 00 

255,590 00 

103,732 50 

106,877 50 

125,000 00 

567,727 20 

187,006 50 

2,108,340 00 

45,463 50 

61,452 00 

51,610 00 

101,710 00 

462,400 00 

440,920 00 

131,180 02 

51,970 00 

66,937 00 

873,074 21 

50,870 00 

25,071 50 

99,030 00 



Market Valoe. 

$592,487 80 

685,241 27 

25,516 36 

24,350 00 

49,386 67 

24,250 00 

15,031 50 

100,100 00 

219,212 75 

409,435 00 

2,475,000 00 

660,000 00 

118,715 00 

45,839 00 

62,088 90 

61,369 80 

62,049 60 

142,303 90 

206,100 00 

3,5U4 20 

210,660 00 

1,147,817 00 

30,159 00 

6,043 50 

209,653 60 

15,000 00 

49,996 80 

318,480 00 

250,000 00 

107,752 50 

108,034 00 

125,000 00 

626,530 40 

193,435 40 

2,108,340 00 

45,000 00 

62,106 00 

52,810 00 

100,000 00 

475,000 00 

463,400 00 

135,465 62 

52,645 00 

69,706 00 

959,737 50 

52,575 00 

25,290 00 

100,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



117 



Memphis, Term., bonds, . 
Montclair, N. J., bonds, . 
Montreal bonds, 
Nashville, Tenn., bonds, . 
Newark, N". J., bonds, 
Omaha, Neb., bonds, . 
Orange, N. J., bonds, 
Ottawa, Canada, bonds, . 
Portland, Oregon, bonds, . 
Richmond, Va., bonds, 
St. Paul, Minn., bonds, 
Salt Lake City bonds, 
San Antonio, Texas, bonds, 
San Francisco bonds, 
Seattle, Wash., bonds, 
Spokane, Wash., bonds, . 
Spokane Falls bonds, 
Stillwater, Minn., bonds, . 
Toronto, Canada, bonds, . 
Albany & Susquehanna R.R. bonds, 
Ashtabula & Pittsburgh R'y bonds, . 
Atch., Topeka & Santa Fe R'y bonds, 
Atlanta & Charlotte Air Line R'y bonds, 
Baltimore & Ohio R R. bonds, . 
Bangor & Aroostook R.R. bonds, 
Blcecker Street & Fulton Ferry R.R. bonds, 
Broadway & Seventh Avenue R.R. bonds, 
Brooklyn, Queen's Co. & Sub. R.R. bonds, 
Burlington & Missouri River R.R. bonds, 
Cedar Rapids, Iowa Falls & N. W. R'y bonds 
Central of Georgia R'y bonds, . 
Central Park, N. & E. River R.R. bonds, 
Charlotte, Columbia & Augusta R.R. bonds, 
Chateaugay Railway bonds, 
Chicago & Eastern 111. R.R. bonds, . 
Chicago & Indiana Coal R'y bonds, . 
Chicago & Northwestern R'y bonds, 
Chicago & St. Louis Ry. bonds, 
Chicago & Southwestern R.R bonds, 
Chicago, Burl. & Quincy R.R. bonds, 
Chicago, Milwaukee & N. W. R'y bonds, 
Chicago, Milwaukee & St. Paul R'y bonds, 
Chic, St. Paul, Minn & Omaha Railway bonds 
Cincinnati & Springfield Railway bonds, 
Cinn., Hamilton & Dayton Railway bonds, 
Cinn., Indianapolis, St. Louis & Chic. R'y b'ds 
Cinn , Sandusky & ( ieveland R R. bonds, 
Cleve , Cinn , Chic. & St. Louis R'y bonds, 



Book Value. 

$832,680 00 

25,200 00 
576,522 50 
372,934 00 
1,684,530 00 
217,617 00 
262,500 00 

41,840 00 
642,524 00 

10,868 34 
387,215 00 
255,625 00 
100,150 00 

65,994 60 
515,040 00 
587,940 00 
108,050 00 

30,784 00 
460,837 90 
268,787 61 

88,994 70 

1,946,217 00 

467,185 60 

107,660 00 

490,350 00 

67,385 50 

1,867,800 00 

541,190 00 

1,039,872 30 

153,831 20 

3,311,509 30 

108,440 00 

286,307 20 

215,080 00 

51,050 00 

99,000 00 
3,502,972 14 

95,623 40 

198,912 00 

2,097,472 80 

54,050 00 
2,474,819 50 
530,650 00- 
275,388 20 
366,322 00 
376,398 40 
518,250 00 
445,000 00 



Market Value. 

$856,832 00 

25,347 50 
576,522 50 
411,798 50 
1,887,000 00 
224,447 50 
282,030 00 

43,288 00 
647,338 00 

11,000 00 
417,717 50 
255,625 00 
100,000 00 

67,703 65 
486,430 00 
628,680 00 
106,810 00 

31,527 00 
460,837 90 
271,690 52 

94,867 20 

1,993,317 00 

488,702 90 

107,660 00 

500,000 00 

67,385 50 

2,400,000 00 

589,375 00 

1,039,872 30 

153,831 20 

3,736,495 00 

110,910 00 

295,752 90 

223,140 00 

55,945 00 

99,000 00 

3,757,870 00 

101,308 00 

200,352 00 

2,184,034 00 

54,905 00 
2,807,918 50 
665,000 00 
286,813 20 
390,341 00 
392,000 00 
540,950 00 
462,500 00 



118 



THE MUTUAL LIFE INSURANCE COMPANY. 



Cleve , Co] , Cinn. & Indianapolis R'y bonds, 

Cleve., Lorain & Wheeling 1 Railway bonds, 

Cleve., Tuscarawas Val. & Wheeling R'y b'ds 

Columbia & Greenville R R bonds,. 

Columbus & Hocking Valley R.R. bonds. 

Columbus & Indianapolis Central R'y bonds, 

Columbus & Toledo R R. bonds, 

Columbus Street R.R. bonds, . 

Dakota Central Railway bonds, 

Detroit, Grand Rapids & Western R.R bonds 

East Tenn., Virginia & Georgia R'y bonds, 

Elmira, Cortland & Northern R R. bonds, 

Erie R R. bonds, .... 

Evansville & Terre Haute R.R. bonds, 

Fargo & Southern Railway bonds, . 

Fitchburg R.R bonds, 

Fremont, Elk Horn & Mo. Valley R.R. bonds, 

Galveston, Harrisburg & San Antonio R'y b'ds, 

Georgia Pacific Railway bonds, 

Georgia R.R. & Banking Co. bonds, 

Hannibal & St. Joseph R.R. bonds, . 

Illinois Central R.R. bonds, 

Ind , Bloomington & Western Railway bonds, 

Indianapolis & St. Louis Railway bonds, 

Indiana, Decatur & Western Railway bonds, . 

Jeffersonville, Madison & Indianap. R.R. b'ds, 

Kan. City, St. Jos. & Council Bluffs R.R b'ds, 

Lake Erie & Western R.R bonds, . 

Lake Shore & Mich. Southern Railway bonds, 

Louisville & Nashville R.R. bonds, . 

Memphis & Charleston R.R. bonds, 

Metropolitan Elevated R.R. bonds, . 

Metropolitan St. Railway bonds, 

Milwaukee & Northern R.R bonds, 

Milwaukee City R.R. bonds, . 

Mil., Lake Shore & Western Railway bonds, 

Minneapolis & St. Louis R R. bonds, 

Minneapolis Street Railway bonds, . 

Mobile & Ohio R.R. bonds, 

Morgan's Louisiana & Texas R R. bonds, 

Nashville & Decatur R.R. bonds, 

Nashville, Chatt. & St. Louis R'y bonds, . 

New England R.R. bonds, 

New York & Canada R.R. bonds, . 

New York & Greenwood Lake Railway b'ds, 

New York & New England R.R. bonds, . 

N. Y., N. H. & Hartford R R. bonds, 

Northern Pacific Railway bonds, 



Book Value. 

$339,166 40 
234,250 00 
218,203 50 
174,969 60 
20,000 00 
33,582 30 
217,120 00 
158,030 40 
734,229 00 
112,706 25 
322,038 90 
147,270 00 
822,462 18 
283,200 00 
236,113 00 

1,028,000 00 
322,028 70 
145,028 20 
143,501 40 

1,000,000 00 
661,620 00 
886,414 00 
128,750 00 
443,880 00 
200,018 00 
69,075 20 
515,635 60 
250,000 00 

2,021,913 90 

1,459,146 40 

319,219 00 

83,670 00 

1,045,000 00 
802,197 60 
61,894 60 
219,278 00 
198,609 90 
188,673 00 
266,449 50 
263,650 00 
95,220 00 
648,343 50 

3,673,500 00 
450,000 00 
306,000 00 
349,710 00 

2,161,635 11 
856,700 00 



Market Value. 

|388,104 00 

243,750 00 
218,913 00 
179,415 60 
20,000 00 
35,513 60 
220,000 00 
164,000 00 
770,385 00 
131,250 00 
328,303 80 
166,560 00 
866,862 18 
275,150 00 
271,889 00 

1,028,000 00 
352,493 40 
134,000 00 
148,415 40 

1,054,000 00 
714,000 00 
886,414 00 
130,912 50 
520,400 00 
200,018 00 
70,400 00 
561,440 00 
285,550 00 

2,021,913 90 

1,509,146 40 

290,689 00 

87,757 50 

1,075,000 00 
885,256 50 
62,000 00 
254,600 00 
221,210 40 
195,096 30 
291,235 50 
305,000 00 
95,220 00 
688,946 10 

3,750,000 00 
450,000 00 
306,000 00 
354,480 00 

2,430,020 00 
920,000 00 



THE MUTUAL LIFE INSURANCE COMPANY. 



119 



Ocean Steamship Co. bonds, . 
Ohio & Mississippi Railway bonds, . 
Oswego & Rome R.R. bonds, . 
Peoria & Pekin Union Railway bonds, . 
Philadelphia & Reading Railway bonds, . 
Pittsburgh & Connellsville R.R. bonds, . 
Pittsburgh & Western Railway bonds, . 
Pittsburgh Junction R R. bonds, 
Pittsb., MeKeesp't & Youghiogheny R.R. b'ds 
Pittsb., Painesville & Fairport R R. bonds, 
Richmond & Danville R.R. bonds, . 
Richmond, York R. & Chesapeake R.R. bonds 
Rochester & Pittsburgh R.R. bonds, 

Rutland R.R. bonds, 

St. Louis, Iron Mountain & Southern R'y b'ds 
St. Paul & Duluth R.R. bonds, . 
St. Paul & North. Pacific R'y bonds, 
St. Paul City Railway bonds, . 
Sault'Ste Marie & South w"n R'y bonds, . 
Seaboard & Roanoke R.R. bonds, 
Southern Boulevard R.R. bonds, 
Southern Railway bonds, .... 
South Georgia & Florida R.R. bonds, 
South Side R.R. bonds, .... 
Syracuse, Bing. & N. Y. R.R. bonds, 
Terminal R.R. Association, St. Louis, bonds, 
Texas & New Orleans R.R. bonds, . 
Union Pacific R'y certs., .... 
Union Railway, New York, bonds, . 
Utah & Northern R'y bonds, . 
Virginia & Tenn R.R. bonds, . 
Virginia Midland R'y bonds, . 

Wubash R.R. bonds, 

Western Railway of Alabama bonds, 

Wheeling & Lake Erie R'y bonds, . 

Brooklyn & N. Y. Ferry Co. bonds, 

Brooklyn Union Gas Co. bonds, 

Brooklyn Wharf & Warehouse Co. bonds, 

Columbia College bonds, .... 

Duluth Union Depot Co. bonds, 

Elmira Municipal Improvement Co. bonds, 

Equitable Gas Light Co. bonds, 

Fort Street Union Depot Co. bonds, . 

Hoboken Ferry Co. bonds, 

Jefferson & Clearfield Coal & Iron Co. bonds 

Laclede Gas Light Co. bonds, . 

Long Branch Water Supply Co. bonds, . 

Metrop. Opera & Real Estate Co. bonds, . 



Book Value. 

$493,357 80 

306,530 00 

107,600 00 

72,060 00 

1,010,900 00 

1,337,050 00 
412,000 00 
400,000 00 
704,600 00 
115,215 20 
660,258 34 
618,950 37 
173,462 60 
538,425 00 
362,110 00 
105,220 00 
260,678 00 
295,722 90 
134,028 80 
401,840 00 
245,125 00 

1,200,000 00 
115,375 80 
98,105 60 
261,681 00 
264,665 60 
651,331 20 
750,000 00 
403,487 50 
271,525 00 
132,218 70 
258,450 00 

2,042,600 00 

1,546,857 50 

236,525 00 

67,584 00 

1,093,260 00 

3,125,200 00 
750,000 00 

. 308,370 00 
127,294 33 

1,119,561 20 
51,160 00 

1,000,000 00 
451,100 00 
897,300 00 
101,070 00 
859,945 00 



Market Value. 

$494,000 00 

306,530 00 

107,600 00 

72,060 00 

1,010,900 00 

1,337,050 00 
375,000 00 
456,160 00 
704,600 00 
88,500 00 
706,250 00 
570,760 80 
175,200 00 
508,520 00 
367,500 00 
108,620 00 
277,893 40 
326,610 90 
135,782 40 
398,000 00 
245,125 00 

1,200,000 00 
115,612 60 
98,801 40 
290,288 60 
264,665 60 
675,400 00 
810,000 00 
403,487 50 
290,450 00 
132,319 40 
283,650 00 

2,120,000 00 

1,546,857 50 

236,525 00 

68,784 00 

1,152,480 00 

3,125,200 00 
750,000 00 
308,370 00 
102,000 00 

1,151,511 20 
51,160 00 

1,025,000 00 
500,000 00 

1,000,000 00 
101,070 00 
869,975 00 



120 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Minneapolis Gas Light Co. bonds, 

Morris Aqueduct bonds, . 

N. Y. & East River Gas Co. bonds, 

Philadelphia Bourse bonds, 

Sharon Estate Co. bonds, . 

U. S. Mortgage & Trust Co. bonds, 

Western Union Tel. Co. bonds, 



Book Value. 

$204,940 00 

65,000 00 

247,500 00 

282,122 50 

1,040,000 00 

2,709,759 60 

1,146,070 00 



Market Value. 

$204,940 00 

65,000 00 

270,000 00 

282,122 50 

1,040,000 00 

2,723,741 40 

1,173,170 00 



$122,119,902 18 $132,017,341 45 



"THE MUTUAL BENEFIT LIFE INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary. 

Income. 

Received for premiums on new policies, $1,038,176 94 

Received for renewal premiums, 5,793,957 90 

Dividends applied to pay running premiums, .... 1,095,700 69 

Dividends applied to purchase paid-up additions and annuities, 302,265 23 

Surrender values applied to pay running premiums, . . 12,285 00 
Surrender values applied to purchase paid-up insurance and 

annuities, 258,579 37 

Received for annuities, 105,226 18 

Total premium income, $8,606,191 31 

Received for interest, 3,124,760 42 

as discount on claims paid in advance, . . . 4,414 32 

for rents of company's property, .... 98,753 07 

Premium notes or loans restored, 5,430 26 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 

Total, 



$11,839,549 38 
. 58,386,204 22 



$70,225,753 60 



Disbursements. 

Paid for losses and additions $3,675,434 41 

for matured endowments and additions, .... 240,569 98 
on matured instalment policies, 21,300 00 

Gross amount paid for losses and endowments, . . $3,937,304 39 

Paid to annuitants, 44,386 06 

Premium notes or loans voided by lapse, .... 25,579 78 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



121 



Cash dividends paid policy holders, 

applied to pay running premiums, . 

applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy holders, 

Cash paid for commissions and bonuses to agents (new poli 
cies, $457,017.34 ; renewals, $395,723.85), . 

for salaries and allowances to managers and agents 

for medical examiner's fees, .... 

for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on investments, f 117,891 44; on reserves 
$15,468.96, 

for taxes on real estate, 

for fees, licenses, etc., 

for advertising, printing and postage, 

for legal expenses, 

for real estate expenses (except taxes), . 

for loss on sales of property, .... 

for incidentals, ....... 

Premiums on bonds purchased, 

On account depreciation, 



Total disbursements, . 



$273,053 94 
1,095,700 69 

302,265 23 

1,390,623 82 

12,285 00 

258,579 37 



$7,339,778 28 

852,741 19 

33,403 38 

96,716 89 

201,737 64 

76,279 15 

133,360 40 
36,094 17 
38,036 17 
58,125 71 
19,205 64 
37,133 96 
13,160 96 
44,728 24 
45,427 50 

100,000 00 



»,128,929 28 



Balance, 



11,096,824 32 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral 

Premium notes or loans on policies in force, . 

Par value of bonds owned (schedule B), . 

Cash in company's office, 

Cash deposited in bank, 

Agents' debit balances, 



Total 

Deduct agents' credit balances. 



$2,654,947 79 

33,196,712 05 

2,959,500 00 

4,771,401 44 

4,546,901 76 

12,122,217 43 

21,176 20 

809,963 25 

16,555 93 



11,099,375 85 
2,551 53 



Total net or ledger assets, as per balance, 



11,096,824 32 



122 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over par, . 



. ? 1,200,970 93 
604,759 73 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

$100,900 39 $228,575 17 
89,613 35 489,882 29 



$190,513 74 $718,457 46 
38,102 75 143,691 49 



$152,410 99 $574,765 97 



727,176 96 



Total assets, per company's books, . 

Items not admitted. 
Agents' debit balances, 

Total admitted assets, .... 



$63,629,731 94 

16,555 93 
$63,613,176 01 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $58,037,415 00 



Present value of unpaid instalments, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, 
Due for taxes, fees, salaries, expenses, etc., 

Liabilities as to policy holders, . 
Surplus as regards policy holders, . 

Gross liabilities, 



25,873 m 



$20,781 00 

343,832 70 

27,663 00 



392,276 70 

353,153 65 

25,486 89 

20,000 00 

$58,854,205 60 
. 4,758,970 41 

$63,613,176 01 



Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $4,482,157 35 
received during 1897 (new poli- 
cies, $72,743.47 ; old policies, 
$602,791.20),. . . . 675,534 67 
restored by revival of policies, 5,430 26 



Total, . 



$5,163,122 28 



THE MUTUAL BENEFIT LIFE INSURANCE COMFANY. 



123 



Used in payment of losses and claims, . 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy holders, 

Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1897, 



$169,601 24 

183,033 66 

25,579 78 

8,217 65 

229,788 19 



16,220 52 



. $4,546,901 76 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1S96. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Tota. Amount 

63,53-4 $164,280,781 00 

19,160 45,368,634 00 

5,285 12,391,137 00 

2,515,616 00 

87,979 $224,556,168 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 10,795 $23,969,791 00 
. 2,793 6,089,274 00 
. 1,444 3,229,183 00 



15,032 33,288,248 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 



50 


$115,354 00 






29 


69,000 00 






1 


3,000 00 










80 


187,354 00 



Whole life. 
Endowment, 

Additions by dividends, 



Old Policies increased. 



9 

28 



$28,185 00 
44,444 00 



37 



72,629 00 
594,955 00 



Total, 103,128 $258,699,354 00 

Policies terminated during the Year. 

Whole life, . . . 6,858 $16,677,420 00 
Endowment, . . 2,037 4,522,586 00 

All other, '. 1,495 4,185,519 00 



10,390 $25,385,525 00 



124 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



How terminated. 

Number. Amount. 



Total Xo. 



Total Amount. 



By death, . 
maturity, 
expiry, 
surrender, 
lapse, . 

Not taken, . 



1,273 
126 
1,270 
3,649 
2,089 
1,983 



$3,697,833 00 
241,317 00 
3,446,114 00 
9,124,317 00 
4,473,008 00 
4,402,936 00 







Policies in Force Dec. 31, 18 & 


Whole life, 


. 


. 67,530 $171,716,691 00 


Endowment, 


. 


. 19,973 47,018,766 00 


All other, . 


. 


. 5,235 11,588,345 00 


Reversionary 


add 


itions, . - 12,960,027 00 



10,390 $25,385,525 00 



92,738 233,313,829 00 



Schedule A. 



Securities held as Collateral. 

Market Value 

Denver & Rio Grande R.R. stock, . 
Oregon R.R. & Navigation Co. stock, 
Chic, Rock Island & Pacific R'y Co. stock, 
N. Y. Central & Hudson River R.R. stock, 
Chicago, Burlington & Quincy R.R. stock, 
Western Union Telegraph Co. stock, 
Consolidated Gas Co. stock, 
Reading Co. & Reading Coal & Iron Co. b'ds 
N. Y. Central & Hudson River R.R. bonds, 
United States bonds, .... 

Lake Shore & Mich. Southern R'y Co. bonds, 
New York and Erie R.R. bonds, 



Chic, Rock Island & Pacific R'y Co. stock, 

Long Dock Co. bonds, 

Wabash R.R. bonds, . 

Winona & St. Peters R.R. bonds, 

Galveston, Harrisb , g & San Antonio R.R. b'ds 

Southern Pacific R.R bonds, . 

Rio Grande Western Railway bonds, 

St. Louis, Iron Mount. & Southern R'y bonds 

Pittsburg & Western Railway bonds, 

Oregon Short Line R R. bonds, 

Central R.R. of New Jersey bond, . 

Wabash R.R. bonds, 

Minneapolis & St. Louis R.R. bonds, 

Lake Erie & Western R.R Co bonds, 

Brooklyn Union Gas Co. stock, 

Great Northern R.R. Co. stock. 

Chic , Rock Island & Pacific R'y Co. stock, 



Loaned Thereon. 

$32,020 00 
41,400 00 
17,950 00 
10,637 00 }• S 

9,950 00 

9,125 00 

8,850 00 
29,240 00 "I 
117,520 00 j 
10,305 00 }> 200,0C0 00 
13,520 00 | 
81,000 00 j 
13,462 00 >| 

5,500 00 

5,400 00 

3,675 00 
13,800 00 
15,693 00 

8,387 00 

4,425 00 
14,220 00 
24,687 00 

1,127 00 
16,905 00 J 
15,400 00 1 
36,000 00 j 

29,028 00 J- 100,000 00 
26,600 00 
22,437 00 ; 



y 100,000 oo 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



125 



Brooklyn Union Gas Co. stock, 

Lake Erie & Western R.R. Co stock, 

Great Northern R.R. Co. stock, 

Chic , Rock Island & Pacific R'y Co. stock 

Western Union Telegraph Co. stock, 

Manhattan Elevated R.R. Co. stock, 

Northern Pacific Railway Co. bonds, 

Western Union Telegraph Co. stock, 

Great Northern R.R. Co. stock, 

St. Paul, Minn. & Manitoba R.R. Co. stock 

Brooklyn Union Gas Co bonds, 

Chicago & Eastern Illinois R.R. bonds, 

Northern Pacific Railway bonds, 

Northern Pacific Railway bonds, 

Erie R.R. bonds, .... 

Great Northern R.R. Co. stock, 

St. Paul, Minn. & Manitoba R R. Co stock 

Western Union Telegraph Co. stock, 

United States bonds, .... 

Lake Shore & Mich. Southern Railway bonds 

District of Columbia bonds, 

New York & Harlem R.R. bonds, . 

Lake Erie & Western R.R. Co. stock, 

Great Northern R.R. Co. stock, 

Chic, Mil & St. Paul R.R. Co. stock, 

Northern Pacific Railway bonds, 

Brooklyn Union Gas Co. bonds, 

Indianapolis, Bloom. & Western Railway b'ds 

Great Northern R.R. Co stock, 

Lake Erie & Western R.R Co. stock, 

Chicago, Burl. & Quincy R R. Co. stock, 

South Carolina & Georgia R.R. bonds, 

Iowa Central R.R. bonds, . 

Chicago & Western Indiana R.R. bonds, 

Evansville & Terre Haute R.R. bonds, 

Oregon R.R. & Navigation Co bonds, 

Oregon Short Line R.R. bonds, 

Texas & Pacific R.R bonds, 

Yicksburg & Meridan R.R. bonds, . 

Colorado Coal & Iron Co. bonds, 

Fort Worth & Denver City R.R bonds, 

Chicago, Burl. & Northern R.R. bond, 

Chicago, Burlington & Quincy R R. bond 

Rio Grande Western Railway bond, 

City of Quincy, III., bond, 

City of Mobile, Ala., bond, 

Great Northern R R. Co. stock, 

Chicago, Mil. & St. Paul R.R. Co. stock, 



Market Value. 

$23,600 00 
21,600 00 
26,600 00 
8,975 00 )• 
5,657 00 
44,750 00 
5,580 00 J 
18,250 00^ 
53,200 00 | 
12,200 00 
5,600 00 
5,050 00 
30,500 00 J 
4,880 00^1 
46,500 00 I 
53,200 00 ). 
12,200 00 I 
13,687 00 j 
12,787 00 s 
67,600 00 ! 
31,590 00 f 
10,900 00 J 
28,800 00 
39,900 00 
1,892 00 
25,620 00 
28,000 00 
2,140 00 
133,000 00^ 
28,800 00 
8,656 00 
12,350 00 
14,775 00 
7,350 00 
12,540 00 
9,325 00 
4,937 00 
2,925 00 
2,000 00 
1,880 00 
3,600 00 
1,100 00 
1,191 00 
838 00 
1,000 00 

800 00 j 
66,500 00 ) 
66,237 00 \ 



Loaned Thereon. 



$100,000 00 



} 100,000 00 



100,000 00 



100,000 00 



y 100,000 oo 



}. 200,000 00 



100,000 00 



120 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Louisville & Nashville R R. bonds, . 
Oregon Short Line R.R. bonds, 
Laclede Gas Light Co. bonds, . 
Rio Grande Western Railway bonds, 
New York & New Jersey Telephone Co. b'ds 
Oregon R.R. & Navigation Co. bonds, 
St Louis Southern R.R. bond, . 
International & Great Northern R.R. bond, 
Missouri, Kansas & Texas R.R. bonds, . 
Southern Railway bond, .... 
N. Y. Central & Hudson Riv. R.R. Co. stock, 
Rio Grande Western Railway Co. stock, . 
Edison Elect. Illuminating Co. stock, 
Western Union Telegraph Co. stock, 
Consolidated Gas Co., N. Y., stock, . 
Chicago, Mil. & St. Paul R.R. Co. stock, . 
Central Railroad Co. of New Jersey stock, 
Erie Railroad bonds, .... 

Central of Georgia R'y bonds, . 
N. Y. Central & Hudson River R.R. bonds, 
N. Y. & Harlem R.R. bonds, . 
Essex Co. NatU Bank, Newark, stock, 
Newark City Nat'l Bank stock, 
National Newark Banking Co. stock, 
Second Nat'l Bank, Newark, stock, . 
National State Bank, Newark, stock, 
Manufacturers 1 NatU Bank, Newark, stock, 
Merchants 1 Nat'l Bank, Newark, stock, . 
American Insurance Co., Newark, scrip, 
Newark Gas Co. bonds, .... 
Morris & Essex R.R. bonds, 
National State Bank, Newark, stock, 
National Newark Banking Co. stock, 
Merchants 1 Insurance Co., Newark, stock, 
Firemen's Insurance Co., Newark, stock, 
Trenton Water Co., Trenton, Mo., bonds, 
N. Y., Chicago & St. Louis R.R. bonds, . 
N. Y. Central & Hudson River R.R bonds, 
Louisville & Nashville R.R. bonds, . 
N. Y., Susquehanna & West'n R.R. bonds, 
Canada Southern Railroad Co. stock, 
Burl , Cedar Rapids & Norton R.R. Co stock 
Chicago, Mil. & St. Paul Railroad Co. stock, 
Chicago, R. I. & Pacific Railway Co. stock, 
Chic, St Paul, Minn. & Omaha R^ Co. stock 
Chicago & Northwestern Railroad Co. stock, 
N. Y. Central & Hudson River R R. Co. stock 
United States bonds, .... 



100,000 00 



100,000 00 



Market Value. Loaned Thereon. 

$6,107 001 

1,975 00 

9,292 00 
14,258 00 
19,410 00 

7,460 00 

2,580 00 

950 00 

10,637 00 

18,150 00 

26,213 00 

4,562 00 J 
17,700 001 
56,775 00 I 
28,800 00 f 
25,110 00 J 
77,775 00 n 
20,800 00 S 
22,870 00 ) 
16,000 001 
16,500 00 

7,000 00 

2,700 00 

6,817 00 J. 

4,500 00 

2,580 00 
13,416 00 

6,500 00 j 

4,970 00 
825 00) 

1,050 00 [ 

3,300 00 | 
735 00 J 
20,000 00 

5,318 001 

4,780 00 

4,362 00 
13,012 00 

5,162 00 

6,800 00 } 
18,925 00 
17,950 00 
31,000 00 

5,478 00 
10,637 00 J 
115,0*7 00 100,000 00 



45,000 00 



2,500 00 



4,000 00 



8,000 00 



100,000 00 



THE MUTUAL BENEFIT LTFE INSURANCE COMPANY. 



127 



Lake Erie & Western Railroad Co. stock, 
Chicago & Northwestern R.R. bonds, 
Erie Railroad bonds, .... 

N. Y , N. H. & Hartford R.R. debentures, 
Houston & Texas Central R.R. bonds, 
Oregon Short Line R.R. bonds, 

United States bonds, 

Nashville, Chatt. & St. Louis R.R. stock, 
N. Y. Central & Hudson River R.R. stock, 
Pullman Palace Car Co. stock, 
Reading Co. & Reading Coal & Iron Co. bonds 
Chicago, Burl. & Quincy R.R. Co. stock, 
Chicago & Northwestern R.R. Co. stock, 
Chicago, R. I. & Pacific Railway Co. stock, 
Consolidated Gas Co., N. Y., stock, . 
Atchison, Topeka and Santa Fe R.R. bonds, 
Erie Railroad bonds, .... 

Delaware, Lack. & Western R.R. Co. stock, 
Lake Erie & Western R.R. Co. stock, 
Missouri, Kansas & Texas R.R. bonds, . 
Louisville & Nashville R.R. bonds, . 
Chicago, R. I. & Pacific R'y bonds, . 
Canada Southern R.R. Co. stock, 
Delaware & Hudson Canal Co. stock, 
Michigan Central R.R. Co. stock, 
Chicago, R. I. & Pacific R'y Co. stock, 
Lehigh & Wilkesbarre Coal Co. bonds, . 
Houston & Texas Central R.R. bonds, 
Duluth, South Shore & Atlantic R'y bonds, 
Brooklyn Union Gas Co. bonds, 
St. Paul & Duluth II R. Co. stock, . 
Consolidated Gas Co., N. Y., stock, . 
Chicago, Mil. & St. Paul R.R. Co. stock, . 
Pacific Mail Steamship Co. stock, . 

United States bonds, 

United States bonds, .... 

Chicago, Burl. & Quincy R.R. Co. stock, . 
Chic, St. Paul, Minn. & Omaha R.R. Co. stock 
Delaware, Lacka. & Western R.R. Co. stock, 
N. Y., N. H. & Hartford R.R. Co. stock, . 
Cleve., Cinn., Chic. & St. Louis R R. Co. stock 
Nashville, Chatt. & St. Louis R.R. Co. stock, 
Kanawha & Michigan R'y bonds, 
Northern Pacific R'y bonds, 
Queen's County, N. Y., bonds, . 



Market Value. 

$7,200 00 
6,960 00 
9,300 00 
28,900 00 
7,850 00 
4,950 00 J 
127,875 00 
20,400 00 >| 
42,550 00 i 
60,550 00 . 
3,440 00 J 
9,950 00 
12,175 00 
40,387 00 
35,400 00 
8,793 00 
18,600 00 J 
77,500 00^ 
7,200 00 J 
12,600 00 }> 
17,450 00 I 
13,877 00 j 
25,812 00^ 
11,175 00 | 
10,312 00 )> 
8,975 00 | 
5,000 00 J 
39,855 00 >| 
8,520 00 
16,800 00 
8,137 00 j. 
44,250 00 
1,427 00 
4,462 00 J 
111,251 00 
111,251 00 
119,400 00 
7,750 00 
15,500 00^1 
54,937 00 
8,200 00 
31,000 00 
7,750 00 
5,185 00 J 
121,000 00 



Loaned Thereon. 



}> $50,000 00 



100,000 00 



} 100,000 00 



y 100,000 oo 



100,000 00 



50,000 00 



100,000 00 



100,000 00 
100,000 00 

100,000 00 



}. 100,000 00 



100,000 00 



$3,732,819 00 $2,959,500 00 



128 THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 



Schedule B. 
Bonds owned by the Company. 

Par Value. 



United States bonds, . 

Essex County, N. J , bonds, 

Union County, N. J , bonds, 

Elizabeth City County, Va., bonds, 

Buchanan County, Mo., bonds, 

Pettis County, Mo., bonds, 

Lincoln County, Mo., bonds, 

Doniphan County, Kan., bonds, 

Uinta County, Wyo , bonds, 

Township of West Orange, N. J., bonds 

Township of East Orange, N. J., bonds, 

Township of Milburn, N. J., bonds, . 

Township of Bloomfield, X. J., bonds, 

City of Newark, N. J., bonds, . 

City of Colorado Springs, Col., bonds, 

Township of Montclair, N. J., bonds, 

Township of Clinton, N. J., bonds, . 

City of Elizabeth, N. J , bonds, 

City of Orange, N. J., bonds, . 

City of Rah way, N. J., bonds, . 

City of Saginaw, Mich , bonds, 

City of Sedalia, Mo., bonds, 

City of Springfield, III., bonds, . 

City of South Bend, Ind., bonds, 

City of Toledo, Ohio, bonds, . 

Trenton, N. J., bonds, 

Elizabethtown Gas Light Co. bonds, 

Elizabethtown Water Co. bonds, 

Ilackcnsack, N. J., Water Co. bonds, 

The Long Dock Co. bonds, 

University of City of New York bonds, 

Belvidere Delaware R.R. bonds, 

West Shore R R. bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

Central R.R. of New Jersey bonds, . 

Perth Amboy & Woodbridge R.R. bonds, 

Chicago, R. I. & Pacific R.R. bonds, 

Freehold & Jamesburg AgricuPl R.R. bonds, 

Shamokin, Sunbury and Lewisburg R.R. b'ds 

Wilkesbarre & Scranton R.R. bonds, 

N Y., Susquehanna & Western R.R. bonds, 

Phila., Wilmington & Baltimore R.R. bonds, 

Philadelphia & Erie R.R. bonds, 

Cleveland & Canton R.R. bonds, 

Seattle, Lake Shore and Eastern R.R. bonds, 



$302,000 00 

675,000 00 

4,000 00 

12,000 00 
330,000 00 

99,500 00 
158,000 00 
370,000 00 

52,000 00 

74,000 00 
162,816 10 

42,000 00 

30,000 00 
980,000 00 

50,000 00 

255,000 00 

6,200 00 

1,056,000 00 

20,000 00 

77,401 33 
100,000 00 
100,000 00 
114.300 00 

90,000 00 

45,000 00 

18,000 00 
100,000 00 

21,000 00 
200,000 00 
310,000 00 

20,000 00 
750,000 00 
200,000 00 
306,000 00 
250,000 00 
100,000 00 
100,000 00 
100,000 00 

40,000 00 
100,000 00 
150,000 00 
250,000 00 
500,000 00 
50,000 00 

50,000 00 



Market Value. 

$345,280 00 
697,505 00 
4,000 00 
12,000 00 
339,900 00 
99,500 00 
160,790 00 
379,250 00 
51,740 00 
81,400 00 
102,816 10 
42,000 00 
30,000 00 
1,068,200 00 
50,250 00 
255,000 00 
6,200 00 
1,024,320 00 
20,300 00 
61,921 06 
100,000 00 
102,150 00 
114,300 00 
90,000 00 
45,000 00 
18,000 00 
102,000 00 
18,900 00 
212,000 00 
415,400 00 
20,800 00 
772,500 00 
214,000 00 
310,840 00 
275,000 00 
100,000 00 
105,000 00 
100,000 00 
41,200 00 
104,000 00 
157,750 00 
260,000 00 
535,000 00 
35,500 00 
20,000 00 



NATIONAL LIFE INSURANCE COMPANY. 



129 



Morris and Essex R.R. bonds, . 

New York, Lack. & Western R.R. bonds, 

Lehigh Valley R.R. bonds, 

Rio Grande Western R.R. bonds, 

Jackson, Lansing & Saginaw R.R. bonds, 

Baltimore & New York R R. bonds, 

Rapid Transit Street R.R. bonds, 

Kansas C ity Elevated R.R. bonds, . 

Pittsburg, Cinn. & St. Louis R.R. bonds, . 

United New Jersey R.R. & Canal Co. bonds, 

Long Island R.R. bonds, .... 

Chicago & Northwestern R.R. bonds, 

St. Louis, Alton & Terre Haute R.R. bonds, 

Cinn., Indianap., St. Louis & Chic. R R. bonds 

North Hudson County R.R. bonds, . 

Rome, Watertown & Offdensburs; R.R. bonds 

Fremont, Elkhorn & Mo. Valley R.R. bonds, 

Iowa Midland R.R. bonds, 

Louisville & Nashville R.R. bonds, . 

Orange & Newark Horse Car R.R. bonds, 

Chicago & Milwaukee R R. bonds, . 

Ottawa, Oswego & Fox River Val. R.R. bonds 

Clev., Col., Cinn. & Indianap. R'y bonds, 

Buffalo & Erie R.R. bonds, 

New Jersey Southern Railway bonds, 

Beech Creek Railway bonds, . 

Detroit, Grand Rapids & Western R'y bonds, 

Bleecker Street & Fulton Ferry R.R. bonds, 

Cleve., Cinn., Chic. & St. Louis R.R. bonds, 

West Jersey & Seashore R.R. bonds, 

New York & New England R.R. bonds, . 

Chicago, St. Louis & Pittsburg R.R bonds, 

Detroit, Monroe & Toledo R.R. bonds, . 

Michigan Central R.R. bonds, . 



Par Value. 

$331,000 00 

242,000 00 

365,000 00 

150,000 00 

72,000 00 

253,000 00 

94,000 00 

230,000 00 

109,000 00 

250,000 00 

40,000 00 

54,000 00 

100,000 00 

100,000 00 

50,000 00 

150,000 00 

16,000 00 

35,000 00 

66,000 00 

10,000 CO 

6,000 00 

8,000 00 

43,000 00 

5,000 00 

30,000 00 

50,000 00 

19,000 00 

10,000 00 

100,000 00 

250,000 00 

20,000 00 

10,000 00 

9,000 00 

25,000 00 



Market Value. 

$458,755 00 

269,140 00 

388,000 00 

122,250 00 

74,880 00 

253,000 00 

96,820 00 

230,000 00 

117,175 00 

275,750 00 

43,880 00 

58,300 00 

104,500 00 

101,500 00 

52,500 00 

179,250 00 

21,680 00 

38,850 00 

66,330 00 

11,100 00 

6,060 00 

8,760 00 

45,150 00 

5,025 00 

30,750 00 

53,250 00 

14,410 00 

10,500 00 

94,500 00 

256,250 00 

23,700 00 

11,900 00 

11,070 00 

30,250 00 



$12,122,217 43 $12,726,977 16 



"NATIONAL LIFE INSURANCE COMPANY," MONTPELIER, 

VERMONT. 

[Incorporated Nov. 13, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. Joseph A. DeBoer, Secretary. 

Income. 

Received for premiums on new policies, $410,153 07 

Received for renewal premiums, 2,417,367 20 

Dividends applied to pay running premiums, .... 81,687 85 



130 



NATIONAL LIFE INSURANCE COMPANY. 



Dividends applied to purchase paid-up additions and annuities, $ 2,579 85 
Surrender values applied to purchase paid-up insurance and 

annuities, 39,988 12 

Received for annuities, 17,591 80 

Total premium income, $2,969,367 89 

Received for interest, 573*517 37 

as discount on claims paid in advance, . . . 422 86 

for rents of company's property, .... 47,951 21 

Total income, $3,591,259 33 

Net or ledger assets Dec. 31, 1896 12,652,308 08 

Total, $16,243,567 41 



Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 

on matured instalment policies, .... 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Cash dividends paid policy holders, .... 

applied to pay running premiums, . 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy holders, 

Cash paid for commissions and bonuses to agents (new poll 
cies, f 233,223.38; renewals, $173,769.81), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections,, 
for salaries of officers and home office employees, 
for taxes on new premiums, §8,033.48 ; on re- 
newals, $35,776.24, 

for taxes on investments, $173.63 ; on reserves, 

$4,935.47, 

for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 



$718,421 62 

83,193 66 

1,408 35 



$803,083 63 

2,335 00 

30,168 38 

81,687 85 

2,579 85 
509,029 58 

39,988 12 



$1,468,872 41 

406,993 19 
45,751 88 
43,495 27 
50,810 51 

43,809 72 

5,109 10 
23,622 02 

4,991 02 
28,044 33 
40,793 63 

5,921 19 

9,461 94 
32,198 39 

1,129 49 



NATIONAL LIFE INSURANCE COMPANY. 



131 



Cash paid for premium on bonds purchased, . 
On account depreciation, 

Total disbursements, 

Balance, 



$24,578 36 
113,310 35 



. 82,348,892 80 



Invested in the following : — 

Assets as pek Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



$13,894,674 61 



Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over par, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... $65,627 09 

Deferred premiums on policies 
in force, 53,993 17 



$1,369,695 74 

4,218,475 47 

113,982 20 

1,677,269 42 

412,096 83 

5,829,768 60 

3,874 58 

269,511 77 

$13,894,674 61 



281,904 11 
271,527 92 



Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



$119,620 26 
23,924 05 



Renewals. 

$137,121 09 

216,865 70 

$353,986 79 
70,797 36 



$95,696 21 $283,189 43 



378,885 64 



Total assets, per company's books, . 

Not admitted. 
Loan on personal security, . 

Total admitted assets, . 



$14,826,992 28 

13,000 00 
$14,813,992 28 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $12,588,424 00 

Present value of unpaid instalments, 27,152 08 

Commissions due on premium notes, 875 74 

Death losses due and unpaid, .... $1,200 00 

Death losses in process of adjustment, . , 26,428 05 

Claims resisted by the company, . . . 27,000 00 

Total policy claims, 54,628 05 



132 



NATIONAL LIFE INSURANCE COMPANY. 



Unpaid dividends of surplus due policy holder-, 
Premiums paid in advance, .... 

Due for medical fees, 

Contingent surrender value, .... 
Extra reserve on life rate endowment policies, 

Liabilities as to policy holders, 
Surplus as regards policy holders, . 



Gross liabilities, 



$10,045 94 

5,810 79 

4,424 00 

14,137 60 

353,639 31 

$13,059,137 51 
. 1,754,854 77 

$14,813,992 28 



Premium Note Account 

Premium note3 on hand Dec. 31, 1896, . . $339,160 95 
Premium notes received during 1897 (new poli- 
cies, $4,575.72 ; old policies, $272,989.13), . 277,564 85 

Total, $616,725 80 

Used in payment of losses and claims, . . $3,561 28 

in purchase of surrendered policies, . 38,675 23 

in payment of dividends to policy holders, 1 1 33 

Redeemed by maker in cash, .... 162,381 13 

Total, 204,628 97 

Balance note assets Dec. 31, 1897, $412,096 83 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 22,897 


$52,931,247 00 




Endowment, 


. 10,934 


18,053,651 00 




All other, . 


521 


1,425,800 00 




Reversionary additions, 


- 


64,033 00 

31 qv> \ 


K79 .171 731 Of 



Whole life, 
Endowment, 
All other, . 



W 7 hole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 4,546 $9,136,775 00 

. 2,059 3,796,152 00 

229 624,000 00 



Old Policies revived. 


71 


$ 178,500 00 


24 


47,500 00 


2 


8,000 00 



Whole life policies increased, . 

Additions by dividends and return premiums, 



6,834 13,556,927 00 



97 



234,000 00 

1,500 00 

80,739 00 



Total, 41,283 |86,347,897 00 



NATIONAL LIFE INSURANCE COMPANY. 



133 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 



Number. 

3,083 

1,417 

162 



Amount. Total No. Total Amount. 

$6,808,397 00 

2,365,599 00 

510,821 00 



4,662 $9,684,817 00 



How terminated. 



By death, . 


318 


$719,889 00 






maturity, 


76 


83,143 00 






expiry, . 


52 


165,000 00 






surrender, . 


. 1,476 


2,981,097 00 






lapse, . 


. 1,827 


3,459,252 00 






change and decree 


se, . 66 


368,450 00 






Not taken, 


847 


1,907,986 00 


4,662 


$9,684,817 00 



Policies in Force Dec. 31, 1897. 

Whole life, . . . 24,431 $55,439,625 00 

Endowment, . . . 11,600 19,531,704 00 

All other, .... 590 1,555,800 00 
Reversionary additions and 

return premiums, . . - 135,951 00 



36,621 76,663,080 00 



Schedule A. 
Securities held as Collateral. 



National Car Co., St. Albans, stock, . 
Lane Manufacturing Co., Montpelier, stock, 
110 shares Gordon Orch'd and Viney'd Co., Cal 
160 " Banner Viney'd Co., Cal., 
Gordon Orch'd and Viney'd Co. notes, 
Grangeville Vineyard Co., Cal., notes, 
Vermont Marble Co. bonds, 
Note, personal security, . 
Neshobe Electric Co., Brandon, stock, 
First National Bank, Montpelier, stock, 
Wetmore & Morse Granite Co. stock, 
Wetmore & Morse Granite Co. stock, 
United States bonds, .... 



Market Value. 

$6,000 00 

74,625 00 

5,500 00 

6,800 00 

4,500 00 

4,000 00 

41,740 00 

13,000 00 

8,000 00 

1,600 00 

8,750 00 

3,500 00 

2,540 00 



Loaned Thereon. 

$5,000 00 
33,500 00 

} 

[ 6,519 14 

J 

40,000 00 

13,000 00 

4,127 06 

I 8,500 00 

1,336 00 
2,000 00 



$180,555 00 $113,982 20 



134 



NATIONAL LIFE INSURANCE COMPANY. 



Schedule B. 
Stocks and Bonds owned by the Company. 



First National Bank, Montpelier, Vt , stock, . 

Montpelier Nat'l Bank, Montpelier, Vt., stock, 

United States bonds, 

New Hampshire State bonds, . 

Village of Hillsborough Bridge, N. H., bonds 

Vermont State bonds, 

City of Barre, Vt., bonds, . 

City of Burlington, Vt., bonds, 

City of Montpelier, Vt., bonds, 

City of St. Albans, Vt., bonds, . 

City of Vergennes, Vt., bonds, . 

Town of Arlington, Vt., bonds, 

Town of Bakersfield, Vt., bonds, 

Town of Bennington, Vt., bonds, 

Town of Brighton, Vt., bonds, . 

Town of Corinth, Vt., bonds, . 

Town of Dorset, Vt., bonds, 

Town of Enosburgh, Vt., bonds, 

Town of Greensboro, Vt., bonds, 

Town of Highgate, Vt., bonds, 

Town of Hyde Park, Vt., bonds, 

Town of Jamaica, Vt., bonds, . 

Town of Jericho, Vt., bonds, . 

Town of Johnson, Vt., bonds, . 

Town of Mount Tabor, Vt., bonds, 

Town of Middlebury, Vt., bonds, 

Town of Newfane, Vt., bonds, . 

Town of Rutland, Vt , bonds, . 

Town of Ryegate, Vt., bonds, . 

Town of Sheldon, Vt., bonds, . 

Town of Swanton, Vt., bonds, . 

Town of Townshend, Vt., bonds, 

Town of Underhill, Vt., bonds, 

Town of Wallingford, Vt., bonds, 

Town of West Rutland, Vt., bonds, 

Town of Wilmington, Vt., bonds, 

Town of Wolcott, Vt., bonds, . 

Village of Barton, Vt , bonds, . 

Village of Barton Landing, Vt., bonds, 

Village of Bradford, Vt., bonds, 

Village of Brandon, Vt., bonds, 

Village of Brattleboro, Vt , bonds, 

Village of Hardwick, Vt., bonds, 

Village of Hartford, Vt., bonds, 



Par Value. 

$22,800 00 

1,700 00 

215,000 00 

11,000 00 

25,000 00 

150,000 00 

70,000 00 

25,000 00 

75,500 00 

50,000 00 

16,500 00 

36,000 00 

3,000 00 

50,000 00 

12,500 00 

18,000 00 

35,000 00 

8,667 22 

14,000 00 

15,000 00 

6,000 00 

12,000 00 

1,500 00 

1,267 00 

6,000 00 

23,000 00 

10,000 00 

7,095 37 

2,000 00 

16,000 00 

72,400 00 

10,000 00 

6,000 00 

2,500 00 

17,500 00 

22,400 00 

2,500 00 

40,000 00 

12,800 00 

27,000 00 

26,500 00 

5,500 00 

15,000 00 

12,000 00 



Market Value. 

$22,800 00 
2,975 00 

257,375 00 
12,467 40 
26,367 50 

151,347 00 
71,815 00 
26,087 50 
77,215 75 

51.440 00 
17,027 90 
37,472 40 

3,062 10 
53,510 00 
13,276 25 
18,432 00 
35,868 00 

8,726 74 
14,481 60 
15,643 50 

6,043 80 

12.441 20 
1,518 30 
1,282 45 
6,211 20 

23,525 80 

10,540 90 

7,197 92 

2,004 00 

16,576 00 

76,429 78 

10,290 18 

6,119 40 

2,521 25 

18,046 00 

23,676 80 

2,533 50 

41,341 00 

13,845 76 

27,508 30 

27,363 00 

5,559 15 

15,231 00 

12,292 80 



NATIONAL LIFE INSURANCE COMPANY. 



135 



Village of Hyde Park, Vt., bonds, . 

Village of Johnson, Vt., bonds, 

Village of Ludlow, Vt., bonds,. 

Village of Newport, Vt., bonds, 

Village of Xorthfield, Vt., bonds, . 

Village of North Troy, Vt., bonds, . 

Village of Proetor, Vt., bonds, . 

Village of Richford, Vt., bonds, 

Village of St. Johnsbury, Vt , bonds, 

Village of Waterbury, Vt., bonds, . 

Village of West Randolph, Vt., bonds, 

Barre, Vt., Sehool District bonds, 

Brattleboro, Vt., Sehool District bonds, 

North Troy, Vt., School District bonds, 

Sheldon Marble Co. bonds, 

City of Boston, Mass., bonds, . 

City of Meriden, Conn., bonds, 

Town of Enfield, Conn., bonds, 

New York State bonds, 

City of Brooklyn, N. Y., bonds, 

Hudson County, N. J., bonds, . 

Atlantic City, N. J., bonds, 

City of Long Branch, N. J., bonds, 

Town of Union, N. J., bonds, . 

Town of Beaver, Pa., bonds, 

Town of DuBois, Pa., bonds, . 

Town of Duqnesne, Pa., bonds, 

Town of Rochester, Pa., bonds, 

Logan, Pa., school district bonds, 

City of Baltimore, Md., bonds, . 

City of East Liverpool, Ohio, bonds, 

City of Fostoria, Ohio, bonds, . 

City of Piqua, Ohio, bonds, 

City of Washington, Ohio, bonds, 

City of Zanesville, Ohio, bonds, 

City of Xenia, Ohio, bonds, 

Town of YVellston,Ohio, bonds, 

Village of Bridgeport, Ohio, bonds, 

Village of Bryan, Ohio, bonds, 

Village of Leetonia, Ohio, bonds, 

Village of Lorain, Ohio, bonds, 

Village of Louisville, Ohio, bonds, 

Coll in wood, Ohio, School District bonds, 

Dennison Ohio, School District bonds, 

Martin's Ferry, Ohio, School District bonds, 

Ottawa, Ohio, School District bonds, 

Clay County, Ind., bonds, 

Jay County, Ind., bonds, . 



Par Value. 

$25,000 00 

6,000 00 
30,000 00 
12,000 00 
15,000 00 
16,000 00 
50,000 00 
20,500 00 
26,000 00 
34,000 00 
13,000 00 

4,200 00 
20,000 00 

4,000 00 
50,000 00 
60,000 00 

7,000 00 
13,000 00 
110,000 00 
50,000 00 
37,000 00 
31,000 00 
20,000 00 
20,000 00 
16,500 00 
32,000 00 
60,000 00 
13,000 00 
20,000 00 
80,000 00 
20,000 00 
16,000 00 
10,000 00 
19,740 00 
75,000 00 

6,000 00 
40,000 00 
25,000 00 
30,000 00 

3,000 00 

7,000 00 
17,000 00 
18,000 00 

1,500 00 
10,000 00 
20,000 00 
23,000 00 
10,000 00 



Market Value. 

$25,557 00 
6,082 80 
30,636 00 
12,102 00 
15,385 50 
17,368 00 
52,155 00 
21,361 35 
26,911 20 
34,988 60 

13.221 00 
4,290 24 

20,840 00 
4,119 60 
62,075 00 
64,120 00 
7,086 10 
14,020 50 
110,209 00 
54,490 00 
37,765 90 
34,406 90 
20,148 00 
20,712 00 
18,013 40 
33,824 00 
65,071 00 
14,027 00 
21,580 00 
80,000 00 
21,284 00 
16,230 40 
10,307 00 
21,019 98 
75,852 50 
6,153 60 
43,235 80 
27,127 50 
31,464 00 
3,045 00 
7,196 00 
18,154 30 

19.222 20 
1,529 10 

11,534 00 
21,892 00 
24,725 00 
10,190 00 



136 



NATIONAL LIFE INSURANCE COMPANY. 



Lawrence County, Ind , bonds, 

Montgomery County, Ind., bonds, 

Owen County, Ind., bonds, 

City of Franklin, Ind , bonds, . 

Town of Sullivan, Ind , bonds, 

Anderson, Ind., School District bonds, 

Indianapolis, Ind., School District bonds, 

Logansport, Ind., School District bonds, 

City of Paris, 111., bonds, . 

City of Springfield, 111 , bonds, 

City of Woodstock, 111., bonds, 

Village of Lockport, 111., bonds, 

Crystal Lake, 111 , School District bonds 

East St. Louis, 111., School District bond 

Rock Island, 111 , School District bonds, 

City of Huntington, W. Va , bonds, . 

City of Parkersburg, W. Va., bonds, 

Paris, Ky., School District bonds, 

Tennessee State bonds, 

Alcona County, Mich., bonds, . 

City of Cheboygan, Mich , bonds, 

City of Escanaba, Mich., bonds, 

City of Grand Haven, Mich., bonds, 

City of Hillsdale, Mich., bonds, 

City of Niles, Mich., bonds, 

City of St. Joseph, Mich., bonds, 

West Bay City, Mich., bonds, . 

Village of Buchanan, Mich., bonds, 

Village of Clinton, Mich., bonds, 

Village of Durand, Mich., bonds, 

Village of Quincy, Mich , bonds, 

Village of St. Johns, Mich , bonds. 

Village of Tecumseh, Mich , bonds, 

Village of Union City, Mich., bonds, 

Bay City, Mich , School District bonds, 

Cheboygan, Mich , School District bonds, 

Frankfort, Mich.. School District bonds, . 

Mt. Clemens, Mich., School District bonds, 

Sault Ste. Marie, Mich., School District bonds 

Outagamie County, Wis , bonds, 

City of Appleton, Wis., bonds, . 

City of Fond du Lac, Wis., bonds, 

City of Merrill, Wis , bonds, 

City of Reedsburg, Wis., bonds, 

Village of Elkhorn, Wis , bonds, 

Delavan, \Y T is., School District bond 

Carroll County, Iowa, bonds, . 

Clarke County, Iowa, bonds, . 



Par Value. 

$22,000 00 
15,000 00 
22,815 00 
25,000 00 
18,000 00 

5,500 00 
12,000 00 
16,000 00 

9,000 00 
18,200 00 

7,500 00 

8,700 00 

5,000 00 
17,000 00 
25,000 00 
47,000 00 
25,000 00 
25,000 00 
100,000 00 
10,000 00 
12,500 00 
20,000 00 
13,000 00 

9,500 00 
10,000 00 
17,000 00 
22,000 00 
10,000 00 

4,000 00 
10,000 00 

6,000 00 
10,000 00 
13,000 00 
20,000 00 
10,000 00 
30,000 00 
15,000 00 

8,000 00 
15,000 00 
25,000 00 

7,500 00 
13,000 00 
27,500 00 
17,000 00 
15,000 00 
25,500 00 
40,000 00 
22,000 00 



Market Value. 

$23,493 80 
15,145 50 

23.727 60 
26,875 00 
20,336 40 

5,629 80 

12,095 60 

17,361 60 

9,577 80 

18,684 12 

7,608 00 

9,018 42 

5,049 00 

18,949 90 

25,912 50 

48,494 13 

27,836 25 

26,020 00 

92,000 00 

10,988 00 

12,957 50 

20.728 00 
13,345 60 

9,769 10 
10,647 00 
18,390 60 
22,633 60 
10,606 00 

4,136 50 
10,394 00 

6,419 40 
10,242 00 
13,473 20 
21,354 00 
10,101 08 
31,182 00 
15,546 00 

8,201 60 
15,456 00 
25,837 50 

7,608 00 
13,487 50 
28,460 35 
17,765 00 
15,546 00 
26,117 10 
40,992 00 
22,418 00 



NATIONAL LIFE INSURANCE COMrANY. 



137 



Shelby County, Iowa, bonds, . 

Wapello County, Iowa, bonds, . 

Webster County, Iowa, bonds, . 

City of Afton, Iowa, bonds, 

City of Ames, Iowa, bonds, 

City of Bloomfield, Iowa, bonds, 

City of Carroll, Iowa, bonds, . 

City of Centerville, Iowa, bonds, 

City of Corning, Iowa, bonds, . 

City of Creston, Towa, bonds, . 

City of Fairfield, Iowa, bonds, . 

City of Fort Dodge, Iowa, bonds, 

City of Hampton, Iowa, bonds, 

City of Independence, Iowa, bonds, 

Iowa City, Iowa, bonds, . 

City of North Des Moines, Iowa, bonds, 

City of Ottumwa, Iowa, bonds, 

City of Shenandoah, Iowa, bonds, 

City of Spencer, Iowa, bonds, . 

City of Villisca, Iowa, bonds, , 

City of Waterloo, Iowa, bonds, 

City of Webster, Iowa, bonds, . 

Town of Merengo, Iowa, bonds, 

Town of Oelwein, Iowa, bonds, 

Town of Rock Rapids, Iowa, bonds, 

Village of Indianola, Iowa, bonds, . 

Alvord, Iowa, School District bonds, 

Burlington, Iowa, School District bonds, 

Carroll Co., Iowa, School District bonds, 

Cedar Rapids, Iowa, School District bonds, 

Clinton, Iowa, School District bonds, 

Council Bluffs, Iowa, School District bonds, 

Des Moines, Iowa, School District bonds, 

Doon, Iowa, School District bonds, . 

Eldora, Iowa, School District bonds, 

Forest Home, Iowa, School District bond. 1 

Griswold, Iowa, School District bonds, 

Marion, Iowa, School District bonds, 

O.ikdale, Iowa, School District bonds, 

Osceola, Towa, School District bonds, 

Perry, Iowa, School District bonds, . 

Sanborn, Iowa, School District bonds, 

Clinton Co , Iowa, warrants, . 

Sioux City, Iowa, warrants, 

City of Albert Lea, Minn., bonds, . 

City of Anoka, Minn., bonds, . 

City of Little Falls, Minn , bonds, . 

City of Stillwater, Minn , bonds, 



Tar Value. 

$15,000 00 
12,000 00 
15,000 00 

4,900 00 
15,000 00 
12,000 00 
10,000 00 
12,000 00 
15,000 00 
12,000 00 
25,000 00 
11,000 00 
13,000 00 

4,000 00 
40,000 00 

2,000 00 
32,000 00 
20,000 00 

5,500 00 
10,000 00 
20,000 00 
13,000 00 

8,500 00 
14,000 00 
12,000 00 
13,000 00 
100 00 
16,000 00 

7,000 00 
29,500 00 
28,500 00 
32,000 00 
39,000 00 
600 00 
12,000 00 
20,000 00 

3,000 00 
25,000 00 
14,000 00 

1,500 00 

9,000 00 

3,000 00 

2,782 06 

190,000 00 

32,000 00 

10,000 00 

9.000 00 
41,000 00 



Market Value. 

$15,409 50 
12,043 20 
15,591 00 

5,282 69 
16,431 00 
12,364 80 
10,282 00 
12,388 80 
15,147 00 
12,807 60 
26,960 00 
11,337 60 
13,689 00 

4,109 20 
40,784 00 

2,076 20 
32,000 00 
21,260 00 

5,543 45 
10,304 00 
20,546 00 
13,733 20 

8,620 70 
15,750 00 
12,575 70 
13,306 80 
112 06 
16,627 20 

7,165 20 
29,977 90 
29,413 40 
32,746 80 
39,881 80 
672 36 
12,388 80 
20,450 00 

3,029 10 
25,562 50 
14,571 20 

1,618 95 

9,097 20 

3,000 00 

2,823 73 

191,395 00 

33,692 80 

10,556 00 

9,664 20 
43,111 50 



138 



NATIONAL LIFE INSURANCE COMPANY. 



Village of Hibbing, Minn., bonds, . 
Douglas Co., Minn , School District bonds, 
Duluth, Minn., School District bonds, 
Duluth, Minn., School District bonds, 
Lake City, Minn., School District bonds, . 
Lyon Co., Minn., School District bonds, . 
West Duluth, Minn., School District bonds, 
City of Carthage, Mo., bonds, . 
City of Hannibal, Mo., bonds, . 
City of Jefferson, Mo , bonds, . 
City of Joplin, Mo., bonds, 
City of Sedalia, Mo., bonds, 
Nevada, Mo., School District bonds, 
Cla} T Co., Mo., School District bonds, 
Douglas Co., Neb , bonds, 
Dundy Co., Neb., bonds, .... 
City of Kearney, Neb., bonds, . 
City of Lincoln, Neb., bonds, . 
City of Omaha, Neb., bonds, . 
City of Red Cloud, Neb., bonds, 
Village of North Bend, Xeb , bonds, 
Aurora, Neb., School District bonds, 
Box Butte Co., Neb , School District bonds, 
Cass Co., Neb , School District bonds, 
Dawson Co., Neb., School District bonds, 
Harlan Co , Neb., School District bonds, 
Holt Co., Neb , School District bonds, 
Johnson Co., Neb., School District bonds, 
Kearney Co., Neb., School District bonds, 
Oakdale* Neb., School District bonds, 
Saline Co., Neb., School District bonds, 
Nebraska State, county and city warrant 
Graham County, Kan., bonds, . 
Haskell County, Kan., bonds, . 
Seward Count}', Kan., bonds, . 
City of Newton, Kan , bonds, . 
Atchison Co., Kan., School District bonds 
Barber Co., Kan., School District bonds, 
Clond Co., Kan., School District bonds, 
Coffeyville, Kan., School District bonds, 
Dickinson Co., Kan., School District bonds, 
Gray Co , Kan., School District bonds, 
Horton Co., Kan., School District bonds, 
Kingman County, Kan., School District b\ls, 
Liberal, Kan., School District bonds, 
Neosho Co., Kan., School District bonds, 
Reno Co., Kan., School District bonds, 
Sedgwick Co., Kan , School District bonds, 



Tar Value. 

$11,400 00 

20,000 00 

20,000 00 

14,000 00 

10,000 00 

9,000 00 

20,000 00 

8,000 00 

20,000 00 

54,000 00 

6,500 00 

50,000 00 

5,000 00 

2,500 00 

20,000 00 

600 00 

25,000 00 

50,000 00 

20,000 00 

10,000 00 

700 00 

5,000 00 

5,000 00 

9,000 00 

3,400 00 

2,000 00 

3,000 00 

8,000 00 

40,000 00 

2,500 00 

33,000 00 

168,802 02 

10,000 00 

14,000 00 

6,000 00 

12,000 00 

10,000 00 

4,600' 00 

1,000 00 

7,500 00 

6,000 00 

4,000 00 

13,000 00 

2,000 00 

15,000 00 

6,000 00 

3,500 00 

8,000 00 



Market Value. 

$ 11,759 10 

20,535 50 

22,270 00 

15,551 20 

10,185 00 

9,299 70 

20,558 00 

8,128 00 

21,056 00 

56,116 80 

6,547 50 

52,465 00 

5,088 00 

2,587 75 

21,568 00 

678 12 

26,137 50 

53,820 00 

20,970 00 

10,665 00 

729 67 

5,418 50 

5,107 50 

9,730 92 

3,842 60 

2,000 00 

3,675 50 

8,280 00 

42,269 00 

2,811 00 

33,833 30 

171,004 60 

12,010 02 

14,000 00 

6,000 00 

12,727 20 

11,972 00 

4,849 49 

1,017 00 

8,085 75 

6,129 00 

4,786 00 

13,941 20 

2,056 80 

15,000 00 

6,250 20 

3,967 25 

8,116 00 



NEW YORK LIFE INSURANCE COMPANY. 



139 



Stanton Co., Kan , School District bonds, 
Wa-Keeney, Kan., School District bonds, 
Wellington, Kan., School District bonds, 
Otero County, Col., bonds, 
City of Colorado Springs, Col., bonds, . 
City of Boulder, Col., bonds, . 
Town of South Denver, Col., bonds, 
Arrapahoe Co , Col., School District bonds, 
Pueblo Co., Col., School District bonds, . 
Arizona Territory bonds, .... 
New Mexico Territory bonds, . . . 
New Mexico School District bonds, . 
City of Huron, So. Dakota, bonds, . 
City of Pierre, So. Dakota, bonds, . 
City of Sioux Falls, So. Dakota, bonds, . 
Hughes Co., So. Dakota, School Dist. bonds, 
Huron, So. Dakota, School District bonds, 
City of Cheyenne, Wyoming, bonds, 
City of Helena, Mont., bonds, . 
Helena, Mont., School District bonds, 
Silver Bow County, Mont , bonds, 
Weber Count}*, Utah, bonds, . 
City of Ogden, Utah, bonds, 
City of Salt Lake, Utah, bonds, 
City of Pasadena, Cal., bonds, . 
City of Santa Rosa, Cal., bonds, 
Lewis County, Wash., bonds, . 
City of Seattle, Wash., bonds, . 
City of Tacoma, Wash., bonds, 
Village of South Bend, Wash., bonds, 
Seattle, Wash., School District bonds, 
Washington State warrants, 
City of Astoria, Oregon, bonds, 
Oregon county and city warrants, . 



Par Value. 

$1,000 00 
1,500 00 
14,000 00 
4,000 00 
31,000 00 
35,000 00 
25,000 00 
29,000 00 
70,000 00 
80,000 00 
50,000 00 
20,000 00 
12,50.0 00 
11,000 00 
20,000 00 
10,000 00 
20,000 00 
25,000 00 
37,300 00 
10,000 00 
25,000 00 
40,000 00 
20,000 00 
20,000 00 
22,000 00 
28,875 00 
20,000 00 
40,000 00 
25,000 00 
24,000 00 
10,000 00 
14,670 88 
20,000 00 
4,754 05 



Market Value. 

$1,000 00 

1,581 60 

14,536 20 

4,113 60 

31,813 00 

35,947 40 

27,775 00 

30,276 00 

72,650 00 

84,224 00 

51,279 00 

24,376 00 

12,500 00 

11,000 00 

20,920 00 

10,000 00 

20,000 00 

28,660 00 

38.959 85 
10,417 00 
26,320 00 
40,808 00 
20,920 00 
20,482 00 
23,331 00 
28,875 00 
22,060 00 
41,952 00 
26,385 00 
24,000 00 
10,460 00 

14.960 05 
21,554 00 

4,825 36 



$5,829,768 60 $6,101,296 52 



"NEW YORK LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated 1841. Commenced business 1845.] 

John A. McCall, President. Charles C. Whitney, Secretary. 

Income. 

Received for premiums on new policies, $5,068,902 19 

Received for renewal premiums, 26,013,500 08 

Dividends applied to pay running premiums, .... 330,912 38 
Dividends applied to purchase paid-up additions and annuities, 375,626 18 



140 



NEW YORK LIFE INSURANCE COMPANY. 



Surrender values applied to pay running premiums, 
Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 
Received for rents of company's property 
Deposits on trust policies, 
Deposits on registered bond policies, 

Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



Disbursements 
Paid for losses and additions, . 
Paid for matured endowments and additions, 



$25,402 53 
1,240,646 45 



$ 33,054,989 81 
74,029 41 



$32,980,960 40 

. 8,057,111 87 

744,389 43 

4,623 00 

6,000 00 



$41,793,084 70 
176,080,948 03 



$217,874,032 73 



. $9,779,017 26 
. 2,919,618 00 



Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Cash dividends paid policy holders, 

applied to pay running premiums, . 

applied to purchase paid-up insurance and 

annuities, 

Surrender values paid in cash, 

Surrender values applied to pay running premiums, 
Reserve value paid on matured deferred dividend policies, . 
Instalments paid on trust and registered bond policies, . 

Total paid policy holders, . 
Cash paid for commissions and bonuses to agents (new poli- 
cies, $3,239,964.75 ; renewals, $663,278.49), 

for salaries and allowances to managers and agents, 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on new premiums, $30,698.20 ; on re- 
newals, $163,653.67 

for taxes on investments, $11,312.14; on reserves, 
$13,944 16, . 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, .... 

for commuting commissions, 



$12,698,635 26 
109,420 80 



$12,589,214 46 

. 1,463,694 91 

. 1,728,443 23 

330,912 38 

375,626 18 

1,189,877 39 

25,402 53 

1,686,260 00 

20,024 53 



$19,409,455 61 

3,903,243 24 
872,811 45 
391,135 15 
614,498 39 

194,351 87 

25,256 30 
155,841 06 

72,051 82 
293,020 64 
405,376 28 



NEW YORK LIFE INSURANCE COMPANY. 



141 



Cash paid for advertising and printing, 
for legal expenses, . 
for real estate expenses (except taxes), 
for incidentals, 

Total disbursements, . 

Balance, 



$312,061 35 

195,811 89 

203,079 89 

762,948 81 



$27,810,946 78 



$190,063,085 95 



Invested in the following: — 

Assets as per Ledger Accounts. 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), . 

Cash in company's office, 

Cash deposited in bank, 

Agents' balances, 



$16,991,000 00 
. 41,082,422 04 
. 4,507,366 67 
. 7,900,096 39 
. 1,189,401 37 
107,432,421 17 
12,559 98 
. 10,231,423 81 
716,394 52 



Total net or ledger assets, as per balance, 



$190,063,085 95 



Other Assets. 

Interest due and accrued, 1,444,832 18 

Rents due and accrued, 41,816 00 

Market value of stocks and bonds over book, . . . . 5,807,330 38 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

- 12,278,207 00 
$288,361 00 1,882,682 00 



$288,361 00 $4,160,889 00 
57,672 20 832,177 80 



$230,688 80 $3,328,711 20 



3,559,400 00 



Total assets, per company's books, . 



$200,916,464 51 



Items not admitted. 
Agents' balances, 716,394 52 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$200,200,069 99 
. 11,632,286 35 

$188,567,783 64 



142 



NEW YORK LIFE INSURANCE COMPANY. 



Liabilities. 



Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Trust funds held by company, . 
Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, 
Surplus reserved fund, 

Liabilities as to policy holders, 
Deduct liabilities on special deposits, 

Surplus as regards policy holders, . 
Gross liabilities, 



$167,916 

1,499,415 

49,000 

91,527 



$165,973,963 00 
334,278 00 

$165,639,685 00 

18 

17 

00 

01 

— 1,807,858 36 

209,035 69 

147,473 37 

201,963 07 

. 15,512,320 00 

$183,518,335 49 
. 11,632,286 35 

$171,886,049 14 
. 16,681,734 50 

?188,567,783 64 



Premium Xote Account. 



Premium notes on hand Dec. 31, 1896, 
Premium notes rec'd during 1897 (old policies), 

Total 

Used in payment of losses and claims, . 
in purchase of surrendered policies, 
in payment of dividends to policy holders, 
Redeemed by maker in cash, .... 
Total 

Balance note assets Dec. 31, 1897, 



$1,023,613 28 
429,281 58 

$33,696 20 

71,525 37 

724 61 

157,547 31 



$1,452,894 86 



263.493 49 



. $1,189,401 37 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

.227,136 $594,539,500 00 

. 65,383 181,786,448 00 

. 7,266 45,997,569 00 

4,493,131 00 

299,785 £826,816,648 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 49,390 $99,604,735 00 

. 14,023 28,687,400 00 

295 7,263,659 00 
63,708 



135,555,794 00 



NEW YORK LIFE INSURANCE COMPANY. 



143 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies revived. 

Number. Amount. Total No. 

557 $1,312,300 00 

112 221,000 00 

30 69,500 00 



699 



Total Amount. 



$1,602,800 00 
405,025 00 



Total, 364,192 $961,380,267 00 

Policies terminated during the Year. 

Whole life, . . . 23,606 $62,536,235 00 
Endowment, . . . 6,192 16,618,070 00 
All other, . . . . 1,436 8,205,037 00 





31,234 


$87,359,342 00 




How terminated. 


death, . 


. 3,221 


$10,070,407 00 


maturity, 


968 


2,970,467 00 


expiry, . 


718 


3,666,688 00 


surrender, 


. 4,562 


13,925,691 00 


lapse, . 


. 21,765 


47,221,117 00 


change and dec 


rease, . - 


9,504,972 00 



31,234 87,359,342 00 



Policies in Force Bee. 31, 1897. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



. 250,945 $626,694,100 00 
. 72,927 192,887,378 00 
. 9,086* 52,982,960 00* 
4,456,487 00 



332,958 877,020,925 00 



Schedule A. 



Securities held as Collateral. 

Market Value. 

Lake Shore & Michigan South'n R.R. bonds, . $12,000 00 

Jeffersonville, Madison & Ind. R R. bonds, . 4,480 00 

1,000 shares Brooklyn City R R., . . 19,200 00 n 

94 " People's Trust Co., Brooklyn, . 22,560 00 S 

15 " Hamilton Trust Co., Brooklyn, . 3,375 00 ) 

100 " American Telegraph & Cable Co., 9,000 00 

680 " Mercantile National Bank, N. Y , 114,240 00 

Canada Southern R.R. bonds, .... 1,12000^ 

10 shares New York & Harlem R.R., . . 1,580 00 [ 

9 " N. Y., N. H. & Hartford R.R , . . 1,638 00 

6 " National Park Bank, N. Y., . . 1,572 00 J 



Loaned Thereon. 

$10,000 00 
3,700 00 

■ 30,000 00 

4,000 00 
75,000 00 

\ 3,000 00 



* Transferred from life and endowment, 2,931 policies, $7,415,600. 



144 



NEW YORK LIFE INSURANCE COMPANY. 



Louisville, New Albany & Chic. R.R. bonds, 
Chicago, Mil. & St. Paul R.R. bonds, 
Western Railroad of Minnesota R.R bonds, 
450 shares Chicago & Alton R.R., . 

400 " First National Bank, Macon, Ga., 
30 " U. S. Mortgage & Trust Co., N. Y. 
10 " Guaranty Trust Co., N. Y., 
20 " Hamilton Trust Co., Brooklyn, 
6 " State Trust Co., N. Y., . 
100 " Nat'l Shoe & Leather Bank, N. Y. 

Louisville, New Albany & Chic. R.R. bonds, 

Globe Street (Fall River) R.R. bonds 

Virginia Midland RR. bonds, . 

Lake Erie & Western R.R. bonds, 

West Chicago Street R.R. bonds, 

St. Louis, Iron Mountain & South. R R. bonds 

200 shares Chicago & Alton R.R., . 

500 " Keokuk & Western R.R., 

400 " Buffalo Railway Co., 

Village Richmond Hill bonds, . 

Omaha Gas Co. bonds, 

New York city bonds, 

Union Pacific R.R. certificates,. 

Union Pacific R.R. certificates,. 

Union Pacific R.R. certificates,. 

Brunswick & Western R.R. bonds, . 

Charleston & Savannah R R. bonds, 

Savannah, Florida & Western R.R. bond 

Union Pacific R R certificates, 

Jamaica, N. Y., School District bonds, 

Flushing, N. Y., bonds, 

Middletown, N. Y., School District bonds 

Central Pacific R.R bonds, 

Union Pacific R.R. certificates, . 

Baltimore & Ohio certificates, . 

Wabash R.R. bonds, .... 

Pacific of Mo. R.R. bonds, 

St Louis & San Francisco R.R. bonds, 

Chicago, Burlington & Quincy R R. bond 

Reading R.R. bonds, . 

Henderson Bridge bonds, . 

Union Pacific R.R. certificates, . 

Richmond & Danville R.R bonds, . 

Atchison, Topeka & Santa Fe notes, 

Illinois Central R.R. bonds, 

Western N. Y. & Penn. R.R. bonds, 

Union Pacific R.R. certificates, . 

Newark, N. J., bonds, 



1 



Market Value. Loaned Thereon 

$5,500 00 >> 

1,200 00 

1,150 00 
72,450 00 
48,000 00 

7,950 00 

4,500 00 

4,500 00 j> 

1,140 00 I 

9,600 00 J 

5,500 00 ) 

1,800 00 S 

3,090 00 >| 

3,120 00 I 



15,000 00 

56,000 00 
40,000 00 



18,000 00 



5,000 00 



2,940 00 
3,090 00 > 
32,200 00 n 
17,500 00 i 
30,800 00 ) 
50,760 00 >| 



10,000 00 



50,000 00 



252,000 00 ! 



127,200 00 

11,200 00 J 
616,000 00 
616,000 00 
175,000 00^ 
120,000 00 i 
116,000 00 ) 
840,000 00 
86,800 00 n 
37,100 00 S 
2,250 00 ) 
600,000 00 ? 
616,000 00 S 
102,000 00 >| 
26,750 00 
54,000 00 
51,300 00 
27,250 00 
110,080 00 
27,750 00 
224,000 00 J 
12,400 001 
15,300 00 j 
20,900 00 y 
16,200 00 | 
56,000 00 j 
169,620 00 



)> 350,000 00 



500,000 00 
500,000 00 

250,000 00 

747,666 67 

100,000 00 

1,000,000 00 



!> 500,000 00 



100,000 00 



150,000 00 



$5,626,655 00 $4,507,366 67 



NEW YORK LIFE INSURANCE COMPANY. 



145 



Schedule B. 

Stocks and Bonds owned by the Company. 

Book Value. Market Value. 

1,133£ shares Evansville & Terre Haute R.R., $11,333 33 $13,033 33 

6,300 " Chicago, Mil. & St. Paul, . . 813,615 68 840,000 00 

10,000 " Chicago & Northwestern R R. . 1,300,000 00 1,500,000 00 

6,250 " Atch,Top. & SantaFeR'y Co., 125,01148 156,250 00 

1,500 " Ft. Wayne & Jacks'n R.R., . 168,656 90 187,500 00 

5,000 " Valley R.R., .... 502,500 00 537,500 00 

100 " American Exch. N'l B'k, N. Y., 10,025 00 16,500 00 

187 " Merchants' Nat'l Bank, N. Y , . 11,112 58 13,090 00 

11 " Nat'l B'k of the Republic, N. Y., 907 50 1,650 00 

39 " Bank of America, N. Y., . . 4,804 00 12,675 00 

1,000 " Central National Bank, N. Y., . 140,000 00 150,000 00 

5,410 " N. Y. Sec'y & Trust Co., N.Y., 946,750 00 1,623,000 00 

700 " Mackey-Nesbitt Co., . . . 12,600 00 14,000 00 

10 " R'lEs.Ex.&Au.R'm,L'd,N.Y., 500 00 750 00 

United States bonds, 4,269,366 02 4,323,000 00 

Alabama State bonds, 40,505 81 50,400 00 

Atlanta City, Ga., bonds, 132,61183 137,100 00 

Arizona Territory bonds 15,266 64 15,300 00 

Austin City, Tex., bonds, 187,182 66 200,000 00 

Butler County, Ohio, bonds, .... 31,675 29 31,800 00 

Callaway County, Mo., bonds, .... 26,000 00 26,000 00 

Cuyahoga County, Ohio, bonds, . . . 145,000 00 145,000 00 

Dallas City, Tex., bonds, 446,015 84 456,650 00 

Davidson County, Tenn., bonds, . . . 252,279 21 254,375 00 

Douglas County, Neb , bonds, .... 81,501 04 81,600 00 

Essex County, N. J., bonds, .... 914,66046 920,00000 

Findlay, Ohio, bonds, 24,658 01 25,200 00 

Flatbush, N. Y., bonds, 19,683 46 24,500 00 

Fort Worth, Tex., bonds, 219,740 11 220,000 00 

Galveston City, Tex., bonds, .... 173,730 00 175,000 00 

Jersey City, N. J., bonds, 1,066,305 84 1,148,650 00 

Jefferson County, Ala., bonds, .... 301,636 97 304,500 00 

Louisiana State bonds, 58,424 74 58,800 00 

Louisville City, Ky., bonds, .... 500,000 00 525,000 00 

Lincoln County, Wash., bonds, . . . 62,137 38 63,000 00 

Long Island City, N.Y., bonds, . . . 264,000 00 264,000 00 

Madison County, Ala., bonds, .... 60,000 00 60,000 00 

Middletown, Conn., bonds, .... 51,24419 51,50000 

Massachusetts State bonds, .... 200,000 00 200,000 00 

Mississippi State bonds, 19,628 24 20,000 00 

Montgomery City, Ala., bonds,. . . . 210,000 00 210,000 00 

Morris County, N. J., bonds, .... 356,140 47 357,000 00 

Memphis City, Tenn , bonds, .... 103,192 78 105,000 00 

New York City bonds, 3,002,872 50 3,023,652 80 

Nashville City, Tenn., bonds, .... 300,000 00 300,000 00 



146 



NEW YORK LIFE INSURANCE COMPANY. 



North Knoxville, Term., bonds, 

Ottawa City, Canada, bonds, 

Petersburg City, Va., bonds, 

Pierce County, Wash., bonds, 

Peoria Township bonds, . 

Quebec (Province of) bonds, 

Quebec City bonds, . 

Queen's County, X. Y., bonds, 

Richmond City, Va., bonds, 

Ramsey Co., Minn., bonds, 

Rome, Ga., bonds, 

Seattle, Wash., bonds, 

St. Joseph, Mo., bonds, 

St. Paul, Minn., bonds, 

Sanitary District of Chicago, Til , bonds, 

San Antonio, Texas, bonds, 

School District, Multnomah Co., Ore., bonds, 

School District, Spokane Co., "Wash., bonds, 

School District, Salt Luke City, bonds 

Salt Lake City bonds, 

Tazewell County, III., bonds, . 

Tennessee State bonds, 

Utah Territory bonds, 

Waco City, Tex., bonds, . 

West Chicago, 111., town bonds, 

Whatcom County, Wash., bonds, 

Whitman County, Wash., bonds, 

Austrian government bonds, 

Brazilian government bonds, . 

Bulgarian government bonds, . 

Cuba bonds, .... 

Havana treasury, Cuba, bonds, 

Hungarian government bonds, 

Italian government bonds, 

Prussian government bonds, 

Russian government bonds, 

Servian government bonds, 

Swiss government bonds, . 

Swedish government bonds, 

Wurtemburg government bonds, 

Adirondack R.R. bonds, . 

Albany & Susquehanna R.R. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Baltimore & Ohio R.R. bonds, . 

Burlington, C. R. & Northern R.R. bond: 

Burlington & Mo. River R.R. bonds, 

Buffalo, New York & Erie R R. bonds, 

Canadian Pacific R.R. bonds, . 



Book Value. 

8100,000 00 
105,920 20 

30,000 00 

349,890 33 

99,042 79 

85,692 90 

200,000 00 

1,531,639 80 

290,840 62 

41,240 41 

167318 14 

499,213 84 

1-3,738 03 

191,410 83 

1,692,508 16 

235,249 15 

75,617 30 

97,006 12 

191,517 90 

484,551 97 

57,238 41 

629,679 54 

87,983 61 

48,000 00 

425,453 11 

204,625 30 

201,205 26 

1,279,605 31 

58,571 43 

19,093 63 

2-4,766 96 

17,046 03 

102,548 25 

886,872 30 

1,035,933 14 

3,381,570 14 

3,412 31 

19,128 23 

89,908 69 

45,139 81 

973,199 12 

813,514 09 

2,680,457 50 

250,000 00 

120,752 79 

506,328 62 

62.440 45 

1,060,042 81 



Market Value. 

1100,000 

107,000 00 

31,2<0 00 

355,800 00 

98,980 00 

86,800 00 

206,750 00 

1,531,639 80 

310,000 00 

41,400 00 

168,000 00 

500,000 00 

188,160 00 

218,000 00 

1,705,190 00 

238,000 00 

81,000 00 

97,200 00 

191,900 00 

494,900 00 

60,000 00 

711,450 00 

91,350 00 

^.000 00 

426,420 00 

210,000 00 

207,000 00 

1,279,874 00 

60,000 00 

19,251 75 

22,291 50 

17,279 57 

122,305 00 

935,787 87 

1,135,184 79 

3,491,242 25 

3,769 29 

19,300 00 

94,724 00 

45,220 00 

973,750 00 

S65,595 00 

2,792,500 00 

250,000 00 

146,100 00 

50S.475 00 

65,750 00 

1,072,440 00 



NEW YORK LIFE INSURANCE COMPANY. 



147 



Central RR. & Banking Co. of Ga. bonds, 
Central of Georgia R.R. bonds, 
Central R.R. of New Jersey bonds, 
Central Pacific of California R.R. bonds, 
Cedar Rapids, I. F. & No. W. R.R. bonds, 
Chateaugay Ore & Iron Co. R.R. bonds, . 
Chicago, Burlington & Qnincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern R R. bonds, 
Chicago, St. Paul, M. & O. R.R. bonds, 
Chicago & West. Indiana R.R. bonds, 
Chicago & Eastern Illinois R.R. bonds, 
Chicago & St. Louis R.R. bonds, 
Chicago, R. I. & Pacific R.R bonds, 
Chicago & Southwestern R.R. bonds, 
Chesapeake & Ohio R.R. bonds, 
Cincinnati, Hamilton & Dayton R R. bonds, 
Cincinnati, Lafayette & Chicago R.R. bonds, 
Cincinnati, Sandusky & Cleveland R R. bonds 
Cleveland, Col., Chin. & Inds. R.R. bonds, 
Cleveland, Loraine & Wheeling R.R. bonds, 
Denver & Rio Grande R R. bonds, . 
Detroit & Mackinac R.R. bonds, 
Del. & Hud. Canal Co. bonds, . 
Evansvillo & Inds. R.R bonds, 
Evansville & Terre Haute R.R. bonds, 
Evansville, Terre Haute & Chicago R.R. bonds 
East Tenn., Va & Georgia R.R. bonds, . 
Flint & Pere Marquette R.R. bonds, 
Fremont, Elkhorn & Mo. V. R.R. bonds, . 
Georgia Southern & Florida R R. bonds, . 
Illinois Central R.R. bonds, 
Indianapolis & St. Louis R.R. bonds, 
Iowa Midland R R. bonds, 
Kal., Allegan. & G. R. R.R. bonds, . 
Kansas City Cable R.R. bonds, 
Kan. City, St. Jo. & Council Bluffs R.R. bonds 
Lake Shore & Mich. South. R.R. bonds, . 
Long Dock Co. R.R. bonds, 
Lowell & Suburban R.R. bonds, 
Louisiana Western R.R bonds, 
Louisiana & Missouri River R.R. bonds, . 
Louisville & Nash., Mobile & Mont. R.R. bonds 
Lehigh Valley R'y of N. Y. bonds, . 
Lehigh Valley Terminal R.R bonds, 
Mahoning Coal R R. bonds, 
Maysville & Lexington R.R bonds, 
Metropolitan Elevated, N Y., R.R. bonds, 



Book Valae. 

$893,911 01 
900,405 60 

2,416,034 26 

1,000,000 00 
452,194 74 
490,000 00 

1,688,700 00 
713,246 74 

5,995,835 30 

1,185,282 67 

1,142,624 67 
309,579 01 
274,131 48 
243,379 38 
29,877 10 
616,222 05 
985,213 22 
170,723 19 
592,760 96 

1,397,791 22 
513,975 37 
720,337 84 
47,000 00 
282,654 83 
497,250 00 
480,000 00 
30,534 48 
505,000 00 
110,000 00 

1,250,000 00 
99,361 11 

3,880,344 00 
154,656 55 
52,866 31 
177,410 66 
250,000 00 
153,337 70 
49,500 00 

1,209,414 24 
500,000 00 
312,798 09 
255,892 85 

1,035,000 00 
807,756 58 

1,008,951 66 

363,661 94 

47,940 02 

319,400 71 



Market Value. 

$900,000 00 

1,100,000 00 

2,646,000 00 

1,000,000 00 

490,000 00 

490,000 00 

1,710,000 00 

788,250 00 

6,288,900 00 

1,312,500 00 

1,285,700 00 

329,400 00 

275,000 00 

256,250 00 

30,067 50 

7»'2,000 00 

1,030,000 00 

171,062 50 

594,880 00 

1,585,000 00 

530,000 00 

769,245 00 

48,600 00 

336,000 00 

497,250 00 

480,000 00 

30,600 00 

542,875 00 

112,500 00 

1,300,000 00 

100,000 00 

3,920,000 00 

176,250 00 

54,500 00 

186,300 00 

250,000 00 

168,000 00 

52,500 00 

1,325,000 00 

512,500 00 

315,000 00 

256,577 50 

1,035,000 00 

808,000 00 

1,080,000 00 

460,000 00 

48,930 00 

372,360 00 



148 



NEW YORK LIFE INSURANCE COMPANY. 



Metropolitan Street Railway Co. bonds, 

Memphis & Charleston R.R. bonds, 

Memphis & Ohio R.R. bonds, . 

Michigan Central R.R. bonds, . 

Milwaukee & Northern R R. bonds, 

Minneapolis Union R.R. bonds, 

Milwaukee Electric R'y & Light Co. bonds, 

Morgan's Louisiana & Texas R.R. & S.S. bonds 

[Midland of New Jersey R.R. bonds, 

Midland Terminal R.R. bonds, 

Missouri Pacific R R. bonds, . 

N. Y. Central & Hudson River R.R. bonds, 

New York & Harlem R.R. bonds, . 

N. Y., Lake Erie & Western R.R. bonds, . 

N. Y., L. E. & West'n Dock & Imp't Co., b'ds 

N. Y\, Lack. & Western R.R bonds, 

New Y'ork, Ontario & Western R.R. bonds, 

New York, Susq. & Western R.R. bonds, 

Nashville, Chattanooga & St. Louis R.R. b'ds 

Northern Pacific R.R. bonds, . 

Northern Illinois R.R. bonds, . 

Northwestern Grand Trunk R.R. bonds, . 

Ohio, Indiana & Western R.R. bonds, 

Oregon Short Line R.R. bonds, 

Panama Railway bonds, .... 

Peoria, Decatur & Evansville R.R. bonds, 

Pitts., Cinn. & St. L. R.R. bonds, 

Pittsburgh, C, C. & St. L. cons. R.R. bonds, 

Rochester & Pittsburgh R.R. bonds, 

South Carolina & Georgia R.R. bonds, . 

South Georgia & Florida R.R. bonds, 

St. Paul, Minn. & Manitoba R R. bonds, . 

St. Paul & Northern Pacific R.R. bonds, . 

Savannah, Florida & Western R.R. bonds, 

St. Louis & San Francisco R R. bonds, 

Taunton Street R.R. bonds, 

Taylor's Falls & Lake Sap. R.R bonds, . 

Toledo & Ohio Central R.R. bonds, . 

Toledo Traction Co. bonds, 

Terre Haute & Indianapolis R.R. bonds, . 

Texas & New Orleans R.R. bonds, . 

Thirty-fourth Street Crosstown R.R. bonds, 

Union Railway Company, N. Y., bonds, . 

Virginia & Tennessee R.R. bonds, . 

West Shore R.R. bonds, .... 

Western Transit Company bonds, . 

Wheeling & Lake Erie R.R. bonds, . 

Will mar & Sioux Falls R.R bonds, . 



Book Valae. 

$1,044,950 41 

250,000 00 

109,195 00 

52,987 53 

57,066 52 

510,865 84 

242,500 00 

870,537 72 

340,203 83 

6,000 00 

920,000 00 

1,100,000 00 

1,050,000 00 

2,400,000 00 

1,554,576 90 

1,135,000 00 

92,292 37 

226,087 75 

338,983 44 

1,845,512 50 

498,002 59 

42,000 00 

307,666 49 

599,232 07 

500,000 00 

135,000 00 

51,888 40 

1,004,576 59 

186,908 86 

181,697 10 

33,443 20 

2,457,124 44 

1,271,898 32 

1,052,650 20 

632,755 46 

327,268 39 

211,765 67 

248,775 17 

374,389 58 

55,555 60 

302,080 69 

196,421 16 

49,739 40 

59,434 92 

1,000,000 00 

90,000 00 

382,452 29 

478,990 44 



Market Value. 

$1,050,000 00 

250,000 00 

109,250 00 

55,500 00 

57,500 00 

530,400 00 

245,000 00 

900,000 00 

368,000 00 

6,000 00 

925,000 00 

1,160,000 00 

1,075,000 00 

2,750,000 00 

1,575,000 00 

1,325,000 00 

93,000 00 

250,000 00 

345,625 00 

1,915,500 00 

525,000 00 

45.360 00 

309,000 00 

600,000 00 

500,000 00 

135,000 00 

52,500 00 

1,065,000 00 

195,500 00 

198,340 00 

33,460 00 

2,611,250 00 

1,470,000 00 

1,067,500 00 

642,000 00 

341,250 00 

222,600 00 

256,250 00 

384,960 00 

55,555 60 

302,810 00 

196,437 50 

51,000 00 

59,740 00 

1,075,000 00 

91,800 00 

400,000 00 

525,000 00 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 149 

Book Value. Market Value. 

Worcester & Suburban St. R.R. bonds, . . $100,000 00 $100,000 00 

American Safe Deposit Co. bonds, . . . 52,123 53 52,500 00 

American Dock & Imp. Co. bonds, . . . 400,855 97 450,000 00 

Brookline Gas Light Co. bonds, . . . 248,958 35 250,000 00 

Brooklyn Union Gas Light Co. bonds, . . 531,601 07 537,500 00 

Equitable Gas Light Co. of N. Y. bonds, . . 142,966 31 143,420 00 

Kansas City, Mo., Gas Light Co. bonds, . . 213,792 08 244,062 50 

Madison Square Garden Co bonds, . . . 749,000 00 749,000 00 

People's Gas Light & Coke Co of Chic, bonds, 590,122 37 674,562 50 

St. Paul, Minn., Gas Light Co. bonds, . . 798,852 08 820,000 00 

Union Sav. B. & Tr. Co., Tacoma, Wash., Vds, 328,000 00 328,000 00 

Western Union Telegraph Co. bonds, . . 428,017 74 469,665 00 

$107,432,421 17 $113,239,751 55 



"NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY," 

MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business Nov. 25, 1858.] 

H. L. Palmer, President. J. W. Skinner, Secretary. 

Income. 

Received for premiums on nevv policies, $2,073,679 16 

Received for renewal premiums, 11,866,868 93 

Dividends applied to pay running premiums, .... 927,941 21 
Dividends applied to purchase paid-up additions and annuities, 220,977 26 
Surrender values applied to pay running premiums, . . 3,663 98 

Received for annuities, 29,339 51 

Total premium income, $15,122,470 05 

Received for interest, 4,696,571 96 

as discount on claims paid in advance, . . . 10,736 68 

for rents of company's property, .... 185,195 68 

Premium notes or loans restored, 3,132 92 

Profit on securities sold, 11,326 64 

Profit and loss account, 36,198 89 

Total income, $20,065,632 82 

Net or ledger assets Dec. 31, 1896, 88,563,916 16 

Total, f 108,629,548 98 

Disbursements. 

Paid for losses and additions, $3,713,447 94 

for matured endowments and additions, . . . . 831,911 97 

on matured instalment policies, 14,641 64 



Gross amount paid for losses and endowments, . . $4,560,001 55 



150 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



Paid to annuitants, 

Premium notes or loans voided by lapse, 

Dividends paid policy holders, 

applied to pay running premiums, . 

applied to purchase paid-up additions and annul 

ties, 

Surrender values paid, 

Surrender values applied to pay running premiums, 

Total paid policy holders, 

Cash paid for commissions to agents (new policies, $830, 
100.42; renewals, $854,060.37), . 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on premiums, . 

for taxes on reserves, 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, .... 

for commuting commissions, 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 

for premium on bonds purchased, . 
Profit and loss account, 

Total disbursements, 



Balance, 



$3,678 78 

11,801 12 

361,589 23 

927,941 21 

220,977 26 

638,474 20 

3,663 98 



$6,728,127 33 

1,684,160 79 

121,691 28 

350,290 19 

167,580 42 

9,269 93 

74,057 46 

18,420 82 

34,000 00 

4,500 00 

112,298 26 

74,023 53 

5,783 76 

25,862 15 

2,457 63 

47,320 08 

497,256 14 

265,570 41 



$10,222,670 18 



$98,406,878 80 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral 
Premium notes or loans on policies in force, . 
Par value of bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 

Agents' debit balances, 



Total 

Deduct agents" credit balances, etc., . 



$2,989,861 79 

66,785,998 21 

5,165,850 00 

352,435 18 

18,994,865 00 

230,204 71 

3,899,837 21 

9,714 35 

$98,428,766 45 
21,887 65 



Total net or ledger assets, as per balance, 



$98,406,878 80 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 151 



Other Assets. 

Interest due and accrued, $1,784,170 30 

Rents due and accrued, 20,025 74 

Market value of bonds over par, 1,456,358 68 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $359,895 00 $427,260 00 

Deferred premiums on policies 

in force, 157,653 00 1,088,464 00 



Total, $517,548 00 $1,515,724 00 

Deduct loading (20 per cent.), . 103,509 60 303,144 80 



Net amount of uncollected and 

deferred premiums, . . $414,038 40 $1,212,579 20 



1,626,617 60 



Total assets, per company's books, .... $103,294,051 12 

Items not admitted. 
Agents 1 debit balances, 9,714 35 



Total admitted assets $103,284,336 77 

Deduct special deposits in other States, 123,600 00 



Balance, $103,160,736 77 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $79,913,382 00 
Present value of unpaid instalments, 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Unpaid dividends of surplus due policy h 
Premiums paid in advance, 
Due for fees, expenses, etc., 



140,683 85 

$23,456 80 

21,034 00 

290,554 60 

25,500 00 

126 61 

360,672 01 

olders, . . . 131,445 88 

7,000 00 
51,528 33 



Reserve for paid-up insurance claimable, .... 413,126 00 



Liabilities as to policy holders, $81,017,838 07 

Deduct liabilities on special deposits, 123,600 00 



$80,894,238 07 
Surplus as regards policy holders, 22,266,498 70 



Gross liabilities, $103,160,736 77 



152 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $386,394 03 
notes received during 1897, old poli- 
cies 77,458 14 

notes restored by revival of policies, 3,132 92 

Total, $406,985 09 

Used in payment of losses and claims, . . $21,082 79 

Used in purchase of surrendered policies, . 7,292 34 

Voided by lapse, 11,801 12 

Used in payment of dividends to policy holders, 49,005 48 

Redeemed by maker in cash, .... 25,308 18 

Total, 114,549 91 



Balance note assets Dec. 31, 1897, $352,435 18 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . .126,958 $294,144,713 00 
Endowment, . . . 35,672 79,067,746 00 
All other, .... 2,785 10,955,370 00 

165,415 £384,167,829 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 15,184 $35,149,900 00 
. 8,501 17,899,828 00 
. 1,720 4,975,417 00 



25,405 58,025,145 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived and changed, 

372 $585,050 00 

128 235,387 00 

31 91,000 00 



Additions by dividends, 
Total, 



531 



911,437 00 
2,251,011 00 



191,351 8445,355,422 00 



Policies terminated during the Year. 

Whole life, . . . 8,284 $19,760,677 00 
Endowment, . . . 3,595 7,617,703 00 
Allother,. . . . 1,010 4,895,672 00 



12,889 f 32,274,052 00 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 153 





How terminated. 






Number. 


Amount. Total No. 


Total Amount. 


By death, . 


. 1,458 


$3,895,543 00 




maturity, 


387 


811,811 00 




expiry, 


139 


2,396,051 00 




surrender, . 


. 2,986 


4,393,262 00 




lapse, . 


. 5,103 


9,653,470 00 




change and decre 


ase, . 32 


4,079,408 00 




Not taken, . 


. 2,781 


7,044,504 00 








12,889 


$32,274,052 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 51, IS 97. 
. 134,230 $310,310,124 00 
. 40,706 89,710,618 00 
. 3,526 13,060,628 00 
178,462 



413,081,370 00 



Schedule A. 



Bonds owned by the 



Adair County, Mo., bonds, 

Adams County, Neb., bonds, 

Alabama State bonds, 

Albion, Mich., bonds, 

Allen County, Ind., bonds, 

Anderson County, Kans , bonds 

Athens County, Ohio, bonds, 

Atlantic City, N. J., bonds, 

Bay City, Mich., bonds, 

Beatrice, Neb., bonds, 

Beloit, Wis , bonds, . 

Berkley, Va., bonds, . 

Bexar County, Tex., bonds, 

Birmingham, Ala., bonds, 

Blackford County, Ind., bonds, 

Boone County, Neb., bonds, 

Brooklyn, N. Y., bonds, . 

Buffalo County, Wis , bonds, 

Canton Union Sch. Dist., Fulton Co., Ill, 

Calhoun County, Iowa, bonds, 

Cedar Rapids, Iowa, bonds, 

Cheyenne, Wyoming, bonds, 

Clay County, Minn., bonds, 

Cleveland, Ohio, bonds, . 

Clinton, Iowa, School District bonds 

Colorado Springs, Colo., bonds 

Colorado State bonds, 

Coryell County, Tex , bonds, 



Company. 

Par Value. 

$10,000 00 

40,000 00 

119,000 00 

50,000 00 

52,000 00 

25,000 00 

100,000 00 

100,000 00 

161,000 00 

63,000 00 

16,500 00 

25,000 00 

142,000 00 

110,000 00 

114,000 00 

20,000 00 

500,000 00 

4,000 00 

b'ds, 18,000 00 

15,000 00 

10,000 00 

71,500 00 

40,000 00 

419,000 00 

38,000 00 

300,000 00 

223,000 00 

75,000 00 



Market Value. 

$10,461 00 
40,432 00 

128,615 20 
57,165 00 
54,996 60 
27,495 00 

100,000 00 

108,380 00 

173,561 60 
63,000 00 
16,657 85 
27,432 50 

149,269 00 
82,500 00 

124,988 80 
21,000 00 

534,350 00 
4,038 80 
20,349 60 
15,000 00 
10,122 00 
71,500 00 
43,604 00 

459,999 30 
38,665 00 

313,733 60 

229,199 40 
76,357 50 



154 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 



Dallas, Tex., bonds, . 

Dallas County, IVx , bonds, 

Davidson County, Tenn , bunds 

Dayton, Ohio, bonds, 

Dearborn County, Ind., bonds, 

Denton County, Tex., bonds, 

Denver, Colo., bonds, 

DeVVitt County, Tex., bonds, 

Dodge County, Neb., bonds, 

Douglas County, Neb., bonds. 

Duluth, Minn., School District bond 

Ellis County, Tex., bonds, 

El Paso County, Colo., bonds, 

El wood Township, 111., bonds, 

Emmett County, Iowa, bonds, 

Evanston, 111., bonds, 

Fayette County, Ind., bonds, 

Fillmore County, Xeb., bonds, 

Fort Worth, Tex , bonds, . 

Frankfort, Ind., bonds, 

Fremont, Neb., bonds, 

Gage County, Neb., bonds, 

Galveston, Tex., bonds, 

Galveston County, Tex , bonds 

Greene County, Ind., bonds, 

Greenfield, Ind , bonds, 

Hale County, Ala., bonds, 

Hamilton, Ohio, bonds, 

Hamilton County, Tenn , bond 

Harris Count}*, Tex., bonds, 

Hennepin County, Minn , bond 

Hancock County, Ind., bonds, 

Henry County, Ohio, bonds, 

Hopkins County, Tex., bonds, 

Idaho State bonds, . 

Jasper County, Ind , bonds, 

Jeffersonville, Ind , bonds, 

Jennings County, Ind., bonds, 

Kansas City, Kan , bonds, . 

Kansas City, Mo , bonds, . 

Kearney, Neb , bonds, 

Kenton, Un. Sch'l Dist., Hardin Co., Ohio, 

Knox County, Tenn , bonds, 

La Porte County, Ind , bonds, 

La Porte, Ind., bonds, 

Las Animas County, Col., bond 

Lebanon Village, Ohio, bonds, 

Lincoln, Neb , bonds, 



b'd: 



Par Value. 

$66,000 00 

268,000 00 

265,000 00 

161,000 00 

24,000 00 

89,000 (0 

269,000 00 

60,000 00 

50,000 00 

117,000 00 

150,000 00 

150,000 00 

38,000 00 

7,500 00 

20,000 00 

50,000 00 

20,000 00 

50,000 00 

69,000 00 

12,000 00 

35,000 00 

48,000 00 

50,000 00 

100,000 00 

40,000 00 

23,000 00 

21,500 00 

50,000 00 

120,000 00 

100,000 00 

200,000 00 

35,000 00 

10,000 00 

65,000 00 

97,000 00 

12-2,500 00 

73,500 00 

55,000 00 

140,000 00 

50,000 00 

17,000 00 

45,000 00 

215,000 00 

108,000 00 

18,000 00 

119,500 00 

30,000 00 

25,000 00 



Market Value. 

$66,000 00 

275,625 60 

278,173 00 

179,422 70 

27,408 00 

89,845 50 

269,000 00 

61,556 00 

1,360 00 

120,545 10 

167,595 00 

154,185 00 

38,000 00 

7,630 05 

20,000 00 

51,021 50 

21,273 00 

50,000 00 

73,788 60 

12,754 50 

35,000 00 

48,345 60 

52,575 00 

102,220 00 

43,092 00 

26,559 90 

22,125 65 

58,273 00 

125,400 00 

103,150 00 

229,640 00 

37,187 80 

10,180 50 

66,813 50 

101,743 30 

131,777 50 

81,842 25 

61,231 00 

147,736 00 

53,345 00 

17,000 00 

50.534 75 

234,560 50 

111,128 40 

18,683 20 

122,607 00 

32,540 65 

25,237 50 



NORTHWESTERN" MUTUAL LIFE INSURANCE COMPANY. 155 



Madison, Wis , bonds, 
Madison County, Ala , bonds, 
Mahaska Count}', fovva, bonds, 
Mahoning County, Ohio, bonds 
Manchester, Va., bonds, . 
Marion County, Ind., bonds, 
Marion County, Iowa, bonds, 
Marion County, Kan , bonds, 
Massachusetts bonds, 
McCracken County, Ky., bonds, 
Medina County, Ohio, bonds, 
Medina County, Tex , bonds, 
Menard County, 111., bonds, 
Menominee, Mich., bonds, 
Mercer County, Ohio, bonds, 
Milam County, Tex., bonds, 
Milwaukee, Wis., bonds, . 
Minneapolis, Minn , bonds, 
Montgomery County, Ala., bonds, 
Monroe County, Ind., bonds, 
Monroe County, Wis., bonds, 
Morrison County, Minn., bonds, 
Muskingum County, Ohio, bonds, 
Nashville, Tenn., bonds, . 
Neenah, Wis., bonds, 
Newark Township, Ohio, bonds, 
North Chicago, 111., bonds, 
North Dakota State bonds, 
O'Brien County, Iowa, bonds, . 
Omaha, Neb., bonds, 
Omaha, Neb., School District bond- 
Osage County, Kan , bonds, 
Osceola Count}', Iowa, bonds, . 
Ottawa, 111., bonds, . 
Ottumwa, Iowa, bonds, 
Owen County, Ky., bonds, 
Paris, Hi , School District bonds, 
Parkersburg, XV. Va., bonds, . 
Pasadena, Cal., bonds, 
Pickaway County, Ohio, bonds, 
Polk County, Neb., bonds, 
Pittsylvania Co., Va., bonds, . 
Pulaski County, Ind., bonds, . 
Red Wing, Minn., bonds, . 
Reno County, Kan , bonds, 
Richland County, W r is., bonds, . 
Richmond, Va , bonds, 
Riverside, 111., bonds, 



Par Value. 

$15,000 00 
22,500 00 
30,000 00 

190,000 00 
32,500 00 
55,000 00 
18,000 00 
43,000 00 
2,250,000 00 

200,000 00 
9,000 00 
12,000 00 
50,000 00 
44,000 00 
18,000 00 

106,300 00 

785,000 00 

256,000 00 

100,000 00 
20,000 00 
40,000 00 
25,000 00 
50,000 00 

240,000 00 
60,000 00 
30,000 00 
30,000 00 
50,000 00 
81,000 00 
29,000 00 
34,000 00 
20,000 00 
50,000 00 

102/00 00 
35,000 00 

100,000 00 
19,000 00 
28,000 00 
58,500 00 
35,000 00 
10,000 00 
50,000 00 
40,000 00 
49,000 00 
95,000 00 
40,000 00 

100,000 00 
20,000 00 



Market Value. 

$15,852 00 
24,081 75 
30,453 00 

204,536 50 
33,176 00 
57,695 00 
18,430 20 
40,956 00 
2,562,600 00 

220,200 00 
9,115 65 
12,000 00 
52,417 00 
48,672 80 
18,432 40 

109,053 11 

810,305 60 

278,277 40 

112,952 00 
22,139 50 
41,583 50 
28,125 00 
51,165 50 

252,818 00 
63,534 00 
31,862 40 
33,228 00 
52,200 00 
81,000 00 
29,000 00 
36,6 9 00 
20,718 00 
50,740 00 

111,902 30 
37,782 50 

115,030 (0 
20,412 10 
30,472 40 
61,613 95 
37,309 70 
10,350 00 
55,890 00 
43,660 00 
52,000 00 

106,618 50 
41,258 00 

100,000 00 
21,190 00 



156 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Rush County, Ind., bonds, 
San Antonio, Tex., bonds, 
St. Croix County, Wis., bonds, 
St. Louis County, Minn., bonds, 
Seymour, Ind., bonds, 
Sheboygan, Wis., bonds, 
Spokane, Wash., bonds, 
Spokane County, Wash., bonds, 
Springfield, 111., bonds, 
Sterling, 111., bonds, . 
Steubenville, Ohio, bonds, 
Tarrant County, Tex., bonds, 
Tippecanoe Co., Ind., bonds, 
Tipton Co., Ind., bonds, 
Toledo, Ohio, bonds, 
Tuscola, 111., bonds, . 
United States bonds, 
Utah Territory bonds, 
Utah State bonds, 
Vincennes, Ind , bonds, 
Wabash County, Ind., bonds, 
Waco, Tex., bonds, . 
Walla Walla Co., Wash., bond; 
Washington Co., Neb., bonds, 
Waukesha Co., Wis., bonds, 
Waupun, Wis., bonds, 
Wayne County, Ind., bonds, 
West Chicago, 111., bonds, 
White County, Ind., bonds, 
Williamson County, 111., bonds, 
Williamson County, Tex , bonds? 
Winston, N. C, bonds, 
Woodbury County, Iowa, bonds, 
Wyandotte County, Kan., bonds, 
Youngstown, Ohio, bonds, 



Par Value. 

$160,000 00 

12,000 00 

55,000 00 

50,000 00 

25,000 00 

79,000 00 

310,000 00 

50,000 00 

12,700 00 

20,000 00 

19,000 00 

278,865 00 

175,000 00 

85,000 00 

120,000 00 

20,000 00 

2,150,000 00 

138,000 00 

121,000 00 

22,000 00 

15,000 00 

71,000 00 

80,000 00 

74,000 00 

10,000 00 

29,000 00 

53,000 00 

1,420,000 00 

44,000 00 

85,000 00 

33,000 00 

60,000 00 

303,000 00 

204,000 00 

25,000 00 



Market Value. 

$174,918 00 

14,109 60 

59,047 50 

54,225 00 

26,170 00 

81,661 70 

340,163 00 

52,190 00 

13,075 92 

20,704 50 

20,620 10 

279,354 60 

184,887 50 

98,197 40 

122,139 00 

20,648 00 

2,442,506 00 

157,154 40 

125,005 10 

23,650 00 

15,180 50 

78,740 00 

80,464 00 

77,404 00 

10,000 00 

30,625 60 

54,828 50 

1,539,210 00 

45,781 00 

88,445 00 

33,000 00 

62,250 00 

311,264 40 

213,457 70 

27,079 60 



$18,994,865 00 $20,451,223 68 



"THE PENN MUTUAL LIFE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1S47.] 

Harry F. West, President. Henry C. Brown, Secretary. 

Income. 

Received for premiums on new policies, £806,608 04 

Received for renewal premiums, 



Dividends applied to pay running premiums, . 



4,136,671 87 
704,319 OS 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



157 



Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up policies and 

annuities, . . 
Received for annuities, 

Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 
Received for rents of company's property, 
Profit on securities sold, . 
Profit and loss account, . 

Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



$116,279 43 
55,870 20 

164,150 00 
140,012 67 

$6,123,911 29 
1,965 67 

$6,121,945 62 

1,402,915 83 

90,452 46 

18,440 48 

12,909 07 

$7,646,663 46 
28,377,538 09 

$36,024,201 55 



Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 

on matured instalment policies and additions, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Premium notes or loans voided by lapse, 

Cash dividends applied to pay running premiums, 

Cash dividends applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy holders, 

Cash paid for commissions and bonuses to agents (new poli 
cies, $411,339.91; renewals, $259,094.05), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on investments, $73,007.34 ; on reserves 
$7,012 31, 



$1,648,080 67 

321,497 34 

32,848 74 

$2,002,426 75 
5,000 00 

$1,997,426 75 

23,168 10 

41,870 18 

704,319 08 

116,279 43 

458,220 59 

55,870 20 

164,150 00 

$3,561,304 33 

670,433 96 
84,769 70 
59,951 96 

129,128 49 
71,192 71 

80,019 65 



158 



THE TEXX MUTUAL LIFE IXSUIIAXCE COM TAX Y. 



Cash paid for taxes on real estate, . 
for fees, licenses, etc., 
for rent, .... 
for commuting commissions, 
for advertising and printing, 
for legal expenses, . 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, ..... 

On account depreciation, ..... 

Total disbursements, ..... 
Balance, 



Invested in the following: — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' debit balances, 

Furniture 

Cash notes taken for premiums, 

Total, 

Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 
Interest due and accrued, . 
Rents due and accrued, 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, ..... 

Total 

Deduct loading (2 ) per cent ), . 

Net amount of uncollected and 
deferred premiums, 



Total assets, per company's books, . 



$44,701 4 4 
13,309 04 
37,063 29 
12,780 69 
34,101 41 
•9 33 
4,371 34 
12,087 25 
90,472 91 

181,130 49 

15,094,727 99 
$30,929,473 56 



$2,215,921 36 

12,971,264 40 

2,622,321 87 

2,315,847 00 

947,935 11 

9,338,242 30 

1,740 05 

280,900 00 

124,821 03 

3,805 94 

10,000 00 

97,854 00 

$30,930,653 06 
1,179 50 

$30,929,473 56 



s over book, . 


. 


320,593 17 

8,192 44 

259,805 16 


New Business. 


Renewals. 




$139,430 59 


$233,653 31 




78,383 30 


392,469 56 




$217,813 89 
43,562 78 


$626,122 87 
125,224 57 




$174,251 11 


$500,898 30 


675,149 41 







$32,193,213 74 



THE TENN MUTUAL LIFE INSURANCE COMPANY. 



159 



Itkms not admitted. 

Office furniture, $10,000 00 

Agents' debit balances, 3,805 94 

Bills receivable, 124,821 03 

Loan in excess of market value, . . . 5,450 00 



Total, 8144,076 97 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$32,049,1^6 77 
11,350 00 

$32,087,786 77 



Liabilities 

Computed premium reserve or net present value of all out- 
standing polieies (actuaries' 4 per cent ). . . . $27,872,497 00 
Deduct net value of reinsured risks, 57,116 00 



Net reserve, 

Present value of unpaid instalments, 

Death losses in process of adjustment, 

Trust funds held by company, . 

Unpaid dividends of surplus due policy holde 

Life rate endowment fund, 

Premiums paid in advance, 

Scrip outstanding, 

Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Gross liabilities, 



$27,815,381 00 

128,231 00 

109,637 68 

20,411 00 

56,117 43 

840,050 71 

15,840 54 

8,580 00 



$28,994,249 36 
11,350 00 



$28,982,899 36 
. 3,054,887 41 



132,037,786 77 



Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $878,607 08 
Premium notes received during 1897 (new poli- 
cies, f 6,69 1.90 ; old policies, $274,809.65), . 281,501 55 

Total, $1,160,108 63 

Used in payment of losses and claims, . . $35,328 41 

Used in purchase of surrendered policies, . 42,802 57 

Voided by lapse, 41,870 18 

Used in payment of dividends to policy holders, 75,262 31 

Redeemed by maker in cash, .... 16,91005 

Total 212,173 52 



Balance note assets Dec. 31, 1897, 



$947,935 11 



160 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 









Number. Amount. Total No. Total Amount 


Whole life, 


. 


. 


. 35,165 $89,920,021 00 


Endowment, 


. 


. 


. 16,157 35,851,779 00 


All other, . 


. 


. 


. 2,744 7,969,794 00 


Reversionary 


additions, 


853,276 00 








t1 Ofifi 1131 *S01 9,70 00 






Return premiums. 




447,935 00 






Policies issued during the Tear. 


Whole life, 


. 


, 


. 7,018 $16,517,972 00 


Endowment, 


. 


. 


. 2,835 7,009,307 00 


All other, . 


. 


. 


. 1,400 5,090,159 00 



11,253 28,617,438 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 
474 $824,580 00 

291 334,695 00 

763 1,995,027 00 



1,528 3,154,302 00 



Whole life, 
Endowment, 
All other, . 



Old Policies changed and increased. 



18 
5 
9 



$30,841 00 
80,097 00 
18,000 00 



Additions by dividends and return premiums, 



32 



128,938 00 
312,640 00 



Total, 66,879 $167,256,123 00 



Policies terminated during the Year. 

Whole life, . . . 4,332 $10,746,757 00 
Endowment, . . . 1,867 4,453,064 00 
All other, .... 1,269 4,082,735 00 





7,468 


$19,282,556 00 




How terminated. 


By death, . 


618 


$1,709,734 00 


maturity, 


156 


325,585 00 


expiry, . 


331 


1,014,333 00 


surrender, . 


1,548 


3,400,935 00 


lapse, . 


2,765 


6,528,215 00 


change and decrease, 


43 


624,401 00 


Xot taken, . 


2,007 


5,679,353 00 



7,468 19,282,556 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



161 



Policies in Force Dec. 31, 1897. 

Number. Amount. Total No. 

Whole life, . .. . 38,343 $96,546,657 00 

Endowment, . . . 17,421 38,822,814 00 

All other, .... 3,647 11,036,213 00 
Reversionary additions and 

return premiums, . . - 1,567,883 00 



Total Amount. 



59,411 $147,973,567 00 



Schedule A. 

Securities held as Collateral. 

Market Value 

1,125 shares Cambria Iron Co., 

Life insurance policies, .... 

City of Lynchburg, Ya , bonds, 

50 shares Phila. Trust, S. D. & Ins. Co., . 

Hutchinson Water, Light & Power Co. bonds 

Cortland & Homer Traction Co. bonds, . 

Cortland & Homer Traction Co. bonds, 

300 shares Philadelphia Traction Co., 

300 k 

100 4 
1,000 » 

705 • 

100 ' 



' Union Traction Co., 
' Centennial Nat'l Bank, Phila., 
* Norfolk & Western R y Co., 
1 Camden Horse R.R. Co., 
1 Philadelphia Traction Co., 
Philadelphia & Reading R R. Co. bonds, 
Bay State Gas Co. bonds, . 
Phila., Reading & N. E. R R. Co. bonds, 
Dutchess Count}- R R. Co. bonds, 
Bay State Gas Co. bonds, . 
Union Pacific, Denver & Gulf R R. Co. bonds 

50 shares Fidelity Ins., Trust & S. D. Co., 
2,000 " Union Traction Co., 
200 " Pittsburg Consol. Traction Co., 
200 " Metropolitan St. R'y Co., 
300 " Union Traction Co., 
500 " Philadelphia Traction Co., . 
160 " Fr'ford & Sou'rk Phila. R.R. Co. 
800 " United Gas Improvement Co., 
200 " Pennsylvania R.R Co., 

8 " Thirteenth & Fifteenth St. R'y Co. 
70 " Philadelphia Traction Co., . 
350 " Union Traction Co., 
Electric & People's Traction cert's, . 
1,000 shares Lehigh Coal & Navigation Co., 
700 " Lehigh Valley R.R Co., 
54 " Fidelity Ins., Trust & S. D. Co., 



$44,437 50 

2,416 73 

16,940 00 

23,350 00 

200,000 00 

33,000 00 

7,000 00 

23,475 00 

3,600 00 

17,000 00 

15,000 00 

52,875 00 

7,825 00 

11,800 00 

4,200 00 

1,500 00 

5,250 00 

18,900 00 

9,700 00 

22,250 00 

24,000 00 

8,300 00 

26,000 00 

3,600 00 

39,125 00 

59,520 00 

79,200 00 

11,500 00 

2,096 00 

5,477 50 

4,200 00 

3,160 00 

42,000 00 

18,200 00 

24,030 00 



Loaned Thereon. 

$39,000 00 

14,000 00 

16,000 00 

8,400 00 

25,000 00 

5,000 00 

20,000 00 

25,000 00 

25,000 00 
4,500 00 
9,000 00 

I 5,000 00 

] 

[ 48,000 00 

i 

J 

25,000 00 



25,000 00 

26,000 00 
45,000 00 

50,000 00 

) 

} 10,700 00 



50,000 00 
21,000 00 



162 



THE TENN MUTUAL LIFE INSURANCE COMPANY. 



300 shares Philadelphia & Reading R'y Co., 
100 " Philadelphia & Erie R R. Co., 
1,000 " Northern Pacific R'y Co , . 
400 " Philadelphia Traction Co., . 
500 " Metropolitan St. R'y Co., . 
300 " Pittsburg Consol Traction Co. 
Consol. Traction Co. of N J. bonds, 
400 shares Sunbnry & Lewiston R'y Co., 
100 " Philadelphia Traction Co., . 
407 " Atlantic City Gas & Water Co., 

100 " Cambria Iron Co 

300 " Western Union Telegraph Co , 
50 " Philadelphia Traction Co., 
50 " Thirteenth & Fifteenth St. R'y Co. 
200 " Bergner & Engel Brewing Co., 
Dutchess County R.R. bonds, . 
Philadelphia & Reading R R. bonds, 
Electric & Peopled Traction cert's, . 
200 shares Pittsburg Consol. Traction Co., 
500 " Lehigh Valley R.R. Co., . 
100 " Elec. Storage Battery Co , 
100 " Baltimore Consol. R'y Co., 
300 " Welsbach Light Co., 
100 " United Gas Improvement Co., 
Pa. & X. Y. Canal and R.R. bonds, . 
325 shares West Chicago St. R.R. Co., . 
325 " West Chicago St. R.R. Co., . 
900 " Camden Horse Railroad Co., . 
Town of Durham, N. C, bonds, 
City of Charleston, W. Va., bonds, . 
500 shares Sun bury & Lewiston R'y Co., 
200 " West Jersey & Seashore R.R. Co 
215 " United Gas Improvement Co., 
250 " Camden Gas Light Co., . 
Millville Mfg. Co bonds, .... 
New Chester Water Co. bonds, 
96 shares Philadelphia Traction Co., 
450 " Union Traction Co., 
Continental Passenger R'y bonds, . 
200 shares Philadelphia Traction Co., 
253 " Philadelphia Traction Co., 
100 " Metropolitan St. R'y Co., 
Metropolitan St R'y certificates, 
Mortgage Trust Co. bonds, 
40 " W. O. Ilickok Mfg. Co., . 
45 " People's Bridge Co., Harrisburg, Pa 
.Northern Central Railway bonds, . 
City of Harrisburg, Pa., bonds, 



Market Value. 

•3,375 00} 
2,150 00 | 
20,750 00 ^ 
31,300 00 1 
65,000 00 
12,450 00 
14,850 00 J 
28,(00 00 
7,825 00 
14,245 00 
3,950 00 
27,000 00 
3,912 50 
13,100 00 
20,000 00 
17,250 00 
5,900 00 
6,004 00 
8,300 00 
13,000 00 
2,900 00 
2,300 00 
12,300 00 
9,900 00 J 
61,815 00 
33,150 00 
33,150 00 
67,500 00 
1,040 00 j 
1,180 00 ! 
35,000 00 
10,200 00 I 
21,285 00^ 
25,000 00 
8,000 00 I 
14,000 00 ^ 
7,512 00 > 
5,400 00 j 
2,315 00 > 
15,650 00 
19,797 25 > 
13,0Q0 00 t 
1,860 00 : 
2,800 00 
2,000 00 >j 



Loaned Thereon. 

•10,000 00 

} 100,000 00 

20,000 00 
5,000 00 

10,000 00 
3,000 00 

26,000 00 

6,300 00 

31,200 00 



J> 50,000 00 



50,000 00 

25,000 00 

25,000 00 

30,000 00 

1,000 00 

25,000 00 

20,000 00 

20,000 00 

15,000 00 

10,000 00 

10,000 00 

20,000 00 

2,500 00 



1,575 00 i 



2,370 00 
2,020 00 



J. 5,000 00 



j 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



163 



86 shares Philadelphia Traction Co., 

60 " Union Traction Co., . 

62 " Girard Life Ins. Ann. & Trust Co. 

Texas & Pacific Railway bonds, 

Southern Railway bonds, .... 

Chesapeake & Ohio R'y bonds, 

Northern Central Railway bonds, . 

Electric & People's Traction certificates, 

Oregon Short Line Railway bonds, . 

300 shares United Gas Improvement Co , 

259 " Pittsburg Consol. Traction Co., 

50 " Oregon Short Line R'y Co., . 
100 " Welsbach Light Co , 
290 " Land Title and Trust Co., 
250 " Westinghouse Air Brake Co , 
Reading Co. *& P. & R. Coal & Iron Co. b'ds, 
65 shares Pennsylvania R.R. Co., 
A. & P. Roberts Co. bonds, 
Consolidated Traction Co., N. J., bonds, . 
105 shares Consol. Traction Co , N. J., . 
2,000 " Phila. & Reading R R. Co., . 

345 " Ithaca Street Railway Co., . 
40 " Fidelity Ins., Trust & Safe D. Co, 

200 " North Chicago Street R.R. Co., 
14 " Frankford & Southw'k Phil. R.R. 
West Chicago Street R.R. bonds, 
West Chicago Street R.R. bonds, 
265 shares West Chicago Street R.R. Co., 
West Chicago R.R. bonds, 
Phila., Reading & N. E. R.R. bonds, 
265 shares Minn. Title Ins. & Trust Co., . 
500 shares Electric Storage Battery Co. y . 
800 " Penn. Heat, Light & Power Co , 

10 " Thirteenth & Fifteenth Sts. R'y Co. 
100 " Philadelphia Traction Co., . 
100 " United Gas Improvement Co., 
700 " Penn. Heat, Light & Power Co, 
100 " United Gas Improvement Co , 
100 " Cambria Iron Co., . 
100 " Chesapeake & Ohio Railway Co., 
100 " Northern Pacific R.R. Co., * . 
100 " Philadelphia Traction Co., 
400 " Welsbach Light Co., 
Lexington Ave. & Pavonia Ferry R.R. bonds, 
Philadelphia & Reading R.R. bonds, 
800 shares Union Traction Co., 
500 M Philadelphia Traction Co., 
600 " Metropolitan St. Railway Co., 



Market Value. 

16,729 50 
720 00 
26,102 00 
24,375 00 ^ 
4,750 00 
5,650 00 
5,850 00 
7,900 00 
13,360 00 
29,700 00 
10,748 50 
900 00 
4,100 00 
39,150 00 
48,750 00 
845 00 
3,737 50 
125,000 00 
4,950 00 a 
3,885 00 [ 
22,500 00 J 
31,050 00 
17,800 00 
45,400 00 
5,208 00 
30,300 00 
12,120 00 
27,030 00 
58,410 00 
13,300 00 
13,250 00 
13,000 00 ' 
34,800 00 
2,620 00 [ 
7,825 00 | 
9,900 00 j 
17,825 00 
9,900 00 
3,950 00 
2,200 00' 
2,075 00^ 
7,825 00 j 
16,400 00 j. 
3,630 00 I 
1,025 00 J 
9,600 00 
39,125 00 
78,000 00 



Loaned Thereon. 

$6,000 00 
15,600 00 



50,000 00 



25,000 00 

30,000 00 

600 00 

1,700 00 

100,000 00 

20,000 00 

25,000 00 

14,000 00 

31,000 00 

2,400 00 

25,000 00 

31,000 00 

50,000 00 
18 T 750 00 
11,700 00 



50,000 00 



25,000 00 



I 



25,000 00 



100,000 00 



164 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Lehigh Valley R.R. loan, . 
Edison Electric Light Co., 
300 shares Union Traction Co., 
29 " West Chicago St. R.R. Co., 
75 " Fairmount Park Transports Co., 
600 " Electric Storage Battery Co., 
52 " Philadelphia Warehouse Co., 
100 " Welsbach Commercial Co., 
100 " United Gas Improvement Co., 
Lehigh Valley Railway bonds, 
Erie R R. bonds, .... 
Edison Electric Light Co. bonds, 
United Traction Co., Pittsburg, bonds, 
500 shares Metropolitan St. Railway Co 
300 " Philadelphia Traction Co., 
2,000 " Union Traction Co., 
300 " Pittsburg Consol. Traction Co., 
100 " Philadelphia Traction Co , . 
200 " Western Union Telegraph Co., 
Alton Railway & Illuminating Co. bonds, 
100 shares United Gas Improvement Co., 
100 " Philadelphia Traction Co , 
100 " Philadelphia Traction Co., 
Electric & People's certificates, 
Marion, Ohio, Water Co. bonds, 
50 shares Marion, Ohio, Water Co., . 
Shelbyville, Ind., Water & Light Co. bonds, 
72 shares Shelbyville, Ind., Water & Light Co 
Warsaw, Ind., Water Co. bonds, 
27 shares Warsaw, Ind., Water Co., 
Shelbyville, 111., Water Co. bonds, . 
30 shares Shelbyville, 111., Water Co., 
Lawrence, Kan., Water Co. bonds, . 
30 shares Lawrence, Kan., Water Co., 
Paola, Kan., Water Co. bonds, . 
25 shares Paola, Kan., Water Co., . 
Crawfordsville, Ind., Water & Light Co. b*ds, 
Richfield School District, Kan., bonds, 
Abilene, Kan., Water Co. bonds, 
300 shares Abilene, Kan , Water Co , 
Topeka, Kan., Water Co. bonds, 
10 shares Topeka, Kan., Water Co., 
Cape Girardeau Southwestern R.R bonds, 
Consolidated Gas & Electric Light Co. bonds 
American Debenture Co. bonds, 
Toledo & Ohio Central R.R. bonds, . 
Marietta Railway bonds, .... 
65 shares Marietta Railway Co., 



Market Value. 

$11,500 00 

4,770 00 

3,600 00 >j 

2,958 00 

1,950 00 

15,600 00 

7,280 00 

5,900 00 } 

9,900 00 

49,980 00 

11,130 00 

15,900 00 

10,250 oo ; 

65,000 00 >| 
23,475 00 
24,000 00 
12,450 00 J 
7,*25 00 ) 
18,000 00 S 
30,750 00 
9,900 00 
7,825 00 
7,825 00 
2,370 00 
3,500 00 >| 

250 00 

5,129 69 

360 00 

2,159 68 

135 00 

1,758 00 

150 00 

1,380 00 

150 00 

940 25 

125 00 

3,540 00 

3,000 00 

11,820 00 

1,500 00 

2,500 00 

50 00 

2,000 00 

4,750 00 

2,000 00 

4,500 00 

13,000 00 

325 00 J 



Loaned Thereon. 

$10,500 00 



100,000 00 



} 100,000 00 

20,000 00 

17,000 00 

12,500 00 

8,000 00 



)> 63,478 99 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



165 



Phoenix Iron Co bonds, .... 
Assignments of mortgages, 

© © © ' 

Consolidated Traction Co., N. J., bonds, . 
50 shares Provident Life & Trust Co., 
3,000 " Baltimore Consolidated R'y Co., 
Perkiomen R.R. bonds, .... 
Electric & People's Traction certificates, 
24 shares United Gas Improvement Co., 
200 " Pa Heat, Light & Power Co , 
100 " Union Traction Co., 
Controller's warrants, city of Trenton, N J , 
Mortgages assigned, .... 



Market Value. 

$29,000 00 ) 

5,900 00 S 

44,550 00 ) 

22,250 00 S 

69,000 00 

4,100 00 

10,507 00^ 

2,376 00 I 

J 

20,000 00 
468,992 88 



3,650 00 
1,200 00 



Loaned Thereon. 

f 11,500 00 

50,000 00 

50,000 00 
3,000 00 

13,000 00 

20,000 00 
468,992 88 



$3,614,295 48 $2,622,321 87 



Schedule B. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Abington Twp., Montgomery Co., Pa., bonds, . $20,000 00 $21,300 00 

Allegheny Valley R.R. bonds 25,000 00 32,937 50 

Allent'n & Bethlehem, Pa., Rap. Tr. Co. bonds, 100,000 00 111,000 00 

Atchison, Kan., bonds 50,000 00 41,500 00 

Atchison, Topeka & Santa Fe R'way bonds, . 100,000 00 89,750 00 

Atlantic City, N. J., bonds, .... 40,000 00 45,900 00 

Austin, Tex., Water Co. &W,L.&P Co. certs, 21,250 00 21,250 00 

76 shares Bank of North America, Phil., . . 7,600 00 19,000 00 

Beatrice, Neb., bonds, 24,000 00 25,320 00 

Boonville, Mo., Water Co. bonds, . . . 50,000 00 47,500 00 

Bridgeport, Conn., Traction Co. bonds, . . 50,000 00 51,500 00 

Brooklyn, N. Y , Wharf & Warehouse Co. b'ds, 100,000 00 98,000 00 

Buffalo & Susquehanna R.R bonds, . . . 50,000 00 50,625 00 

Burlington, la., Water Co. bonds, . . . 30,000 00 31,500 00 

Central of Georgia R'way bonds, . . . 50,000 00 45,875 00 

Central R'way Co , Peoria, 111 , bonds, . . 52,000 00 55,770 00 

Cham. & Urb., Ill, W. & E. L. Co. bonds, . 100,000 00 97,500 00 

Charleston, W. Va, bonds, .... 70,000 00 81,560 00 

Cheltenham School District bonds, . . . 3,500 00 3,526 25 

Cheltenham Twp., Montgomery Co, Pa., bonds, 69,500 00 73,670 00 

Chester, Pa, bonds, 125,000 00 130,687 50 

Chester, Pa, School District bonds, . . . 60,000 00 61,200 00 

Chicago & Erie R.R. bonds 50,000 00 56,000 00 

Chicago North Shore St. R'way bonds, . . 100,000 00 109,000 00 

Chicago, 111, Sanitary District bonds, . . 50,000 00 53,750 00 

Chicago & West Michigan R'way bonds, . . 100,000 00 65,000 00 

Chillicothe, O , Gas & Water Co. bonds, . . 83,500 00 84,335 00 

Cleveland City Cable R'way bonds, . . . 100,000 00 106,000 00 

Cleveland, Lorain & Wheeling R'way bonds, . 100,000 00 103,000 00 

Columbus & Cincinnati Midland R.R. bonds, . 150,000 00 88,500 00 



166 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



Cornwall & Lebanon RR., 
Cornwall & Lebanon Car Trust certs., 
500 shares Delaware Ins. Co., Phila., 
Delaware River R.R. & Bridge Co. bonds, 
DuBois, Clearfield Co , Pa., bonds, . 
Duluth, Minn., St. R'y bonds, . 
Duquesne Club, Pittsburg, Pa., bonds, 
Duquesne Traction Co., Pittsburg, Pa., bonds 
Durham, N. C, bonds, .... 
Dutchess County R R. bonds, . 
East Cleveland, O., R.R. bonds, 
Evansville, Ind., bonds, .... 
Fairmount Park Transport. Co., Phila., bonds 
Fernandina, Fla., bonds, .... 

Findlay, O., bonds, 

Fonda, Johnstown & Gloversville R.R. bonds 
Freeport, 111., Water Co. bonds, 

50 shares Girard Natl Bank, Phila., . 
1,000 M Grand Rapids & Indiana R'y Co., 
Hamilton & Rossville, O., Hydraulic Co. b'ds, 
Hastings, Neb., bonds, .... 
Hazelton City, Pa , School District bonds, 
Hestonville, Mantua & Fairmount R.R. bonds 
Hudson R. Water Power & Paper Co bonds, 
Hutch., Kan , Water, Light & Power Co. b'ds 
Independence, Kan., bonds, 
Jacksonville & St. Louis R'y bonds, 
Jacksonville Southeastern R'y bonds, 
Jamestown, N. Y., Water Supply Co. bonds, 
Johnstown, Pa., School District bonds, 
Joplin, Mo., Water Co. bonds, . 
Kansas City, Mo , Cable R'y bonds, . 
Lehigh Valley R.R. bonds, 
Lima, O., bonds, 
Lincoln City, Neb., bonds, 
Lincoln, Neb., Gas. Co. bonds, 
Lorain, O., bonds, 
Lynchburg, Va., bonds, . 
Martin's Ferry, O., bonds, 
McKeesport, Pa., School District bonds, 
Metropolitan Ferry Co , N. Y M bonds, 
Minneapolis & Duluth R.R. bonds, . 
Minneapolis & St. Louis R.R. bonds, 
Mt. Pleasant, Pa., bonds, . 
Nebraska, Neb., bonds, 
Newark, N J., Pass. R'y Co. bonds, 
New Brighton, Pa., School District bonds, 
N. Y., Phila., & Norfolk Car Trust certs., 



Par Value. 

$25,000 00 
21,000 00 
12,500 00 

100,000 00 
46,000 00 
50,000 00 

121,000 00 
75,000 00 
70,000 00 
15,000 00 
30,000 00 
45,000 00 

100,000 00 
28,000 00 
25,000 00 

100,000 00 

96,000 00 

2,000 00 

100,000 00 
33,000 00 

113,000 00 
33,000 00 
50,000 00 
50,000 00 
92,000 00 
15,200 00 
73,750 00 
17,000 00 

150,000 00 
33,000 00 
60,000 00 

100,000 00 

150,000 00 

150,000 00 
40,000 00 
50,000 00 
49,000 00 
50,000 00 
53,000 00 
57,000 00 
60,000 00 
50,000 00 

100,000 00 
48,000 00 

100,000 00 

100,000 00 
13,500 00 
56,000 00 



Market Value. 

$26,500 00 
21,420 00 
12,500 00 

107,500 00 
49,220 00 
50,000 00 

122,210 00 
82,500 00 
72,100 00 
11,250 00 
32,100 00 
47,250 00 

107,250 00 
30,800 00 
27,000 00 

105,000 00 

98,400 00 

3,600 00 

7,500 00 

33,000 00 

114,630 00 
34,237 50 
57,625 00 
51,500 00 
59,800 00 
16,188 00 
26,387 50 
14,960 00 

154,500 00 
34,980 00 
61,200 00 

101,250 00 

152,500 00 

160,500 00 
42,000 00 
50,000 00 
52,920 00 
51,425 00 
57,770 00 
60,705 00 
66,000 00 
56,500 00 

120,000 00 
51,240 00 

103,000 00 

111,000 00 
14,512 50 
57,120 00 



THE PENN MUTUAL LIFE INSURANCE COMPANY. 



167 



Norfolk & Western R'y Co. bonds, . 
1,338 shares Norfolk & Western R'y Co., 
North Chicago, 111., Street R'y bonds, 
North East Pennsylvania R.R. bonds, 
Northern Central R'y bonds, . 
North Side Elec. St. R'y Co., Chicago, bonds 
Ohio River R R. bonds, .... 
Paducah Water Supply Co., Bait., Md , bonds 
Pennsylvania Co. certificates, ... 
Pennsylvania R.R. bonds, 
People's Pass R'y certificates, . 
People's St. R'y Co., Luzerne Co., Pa., bonds 
Philadelphia City loan, .... 
Philadelphia & Reading R.R. bonds, 
Philadelphia, Reading & N. E. R.R. bonds, 
Pittsburg, Cinn., Chic. & St. Louis R'y bonds 
Pittsburg & Connellsville, Pa., R.R. bonds, 
Pittston, Pa., bonds, .... 
Raleigh, N. C, bond, 
Ravenna, O., bonds, .... 
Richmond, Va^loan, 
Rockbridge, Va., bonds, . 
St. Joseph, Mo., Water Co. bonds, . 
St. Louis Merchants' Bridge Co. bonds, 
Salem, N. J., bonds, .... 
Saline, Kan., bonds, .... 
Scranton, Pa., School District bonds, 
Second Ave. Tract'n Co., Pittsburg, Pa., b'ds, 
Sioux City, la., Stock Yards Co. bonds, . 
Sioux City, la., Term. R.R. & Warehouse b'ds 
Sioux City, la., Traction Co. stock and notes, 
Southern Railway Co. bonds, . 
1,615 shares Southern Railway Co., . 
South Side Elevated R.R., Chicago, bonds, 
Steinway R'y Co. of L. I. City, N. Y., b'ds, 
Stockton, N.J. , bonds, .... 
Terre Haute, Ind., Street Railway bonds, 
Terre Haute & Logansport, Ind., R R. bonds, 
Thirteenth & Fifteenth Sts. R'y Co., Phil., b'ds 

Toledo, Ohio, bonds, 

Toledo Belt Railway bonds, 
Toledo & Ohio Central Ex. R.R. bonds, . 
Trenton, N. J., Pass. Railway bonds, 
Union League of Philadelphia bonds, 
United Sec'y Life Ins. & Trust Co., Pa., b'ds, 
United States bonds, .... 

United Traction Co., Pittsburg, Pa., bonds, 
Upper Darby, Pa., Twp. bonds, 



Par Value. 

$146,000 00 

133,800 00 

50,000 00 

100,000 00 

110,000 00 

25,000 00 

100,000 00 

74,000 00 

125,000 00 

206,000 00 

100,000 00 

45,000 00 

100,000 00 

272,000 00 

122,000 00 

100,000 00 

50,000 00 

33,300 00 

25,000 00 

53,000 00 

62,000 00 

65,000 00 

100,000 00 

75,000 00 

35,000 00 

84,000 00 

40,000 00 

50,000 00 

90,000 00 

150,000 00 

94,111 00 

66,000 00 

161,500 00 

100,000 00 

50,000 00 

50,000 00 

25,000 00 

100,000 00 

50,000 00 

35,000 00 

62,000 00 

125,000 00 

100,000 00 

3,000 00 

25,000 00 

215,000 00 

48,000 00 

133,000 00 



Market Value. 

$115,340 00 
62,886 00 
53,750 00 

96,500 00 

130,075 00 
27,375 00 

103,000 00 
74,740 00 

130,625 00 

245,420 00 

102,250 00 
53,750 00 

106,250 00 

270,250 00 
35,000 00 

110,750 00 
52,250 00 
34,382 25 
27,625 00 
56,710 00 
64,480 00 
68,250 00 

105,000 00 
77,625 00 
37,187 50 
89,040 00 
46,700 00 
53,500 00 
92,700 00 

120,000 00 
87,127 30 
62,700 00 
51,680 00 

105,250 00 
58,000 00 
53,250 00 
25,000 00 
95,000 00 
60,750 00 
37,800 00 
55,180 00 
62,500 00 

112,000 00 

3,053 91 

25,375 00 

259,025 00 
49,200 00 

143,473 75 



168 THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



Venice & Carondelet Railway bonds, 
Borough of Warren, Pa., bonds, 
Borough of Warren, Pa, School District bonds, 
Borough of Washington, Pa., School Dist b'ds, 
100 shares Western National Bank, Phila., 
West Chester, Pa , Gas Co. bonds, . 
West Chicago St. R R. Tunnel Co. bonds, 
Borough of Wilkinsburg, Pa., SchU Dist. b'ds, 
Wilmington, N. C, bonds, 
Winston, N. C , bonds, 
Winston, N. C, Twp. bonds, . 
Xenia, Ohio, bonds, .... 



Par Value. 

$200,000 00 
20,000 00 
55,000 00 
48,000 00 
5,000 00 
62,500 00 
50,000 00 
50,000 00 
90,000 00 
60,000 00 
44,000 00 
10,500 00 



Markt-t Value. 

$200,000 00 
21,400 00 
57,476 00 

50,160 00 
7.000 00 
66,250 00 
53,000 00 
53,500 00 
94,050 00 
65,400 00 
45,320 00 
10,710 00 



Book value, 



$9,798,011 00 £9,598,047 46 
. 9,338,242 30 



"THE PHCENIX MUTUAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated May, 1851. Commenced business May, 1851.] 

Jonathan B. Bunce, President. Charles H. Lawrence, Secretary. 



Income. 

Received for premiums on new policies, .... 

Received for renewal premiums, 

Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, 

Premium notes or loans restored, 

Profit on securities sold, . 

Profit and loss account, 



Total income, 
Net or ledger assets Dec. 31, 1896, 

Total, 



8308,021 69 

1,091,009 61 

144,930 39 

33,771 38 

11,224 30 

5,270 00 

$1,594,227 37 
4,965 66 

£ 1,589,261 71 

553,814 47 

350 62 

32,894 56 

73 60 

196 00 

4,285 56 

2,191 63 

82,183,068 15 
10,285,559 17 

$12,468,627 32 



THE rilCEMX MUTUAL LIFE INSURANCE COMPANY. 



160 



Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 

on matured instalment policies, .... 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Cash dividends paid policy holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up additions and 
annuities, 



§652,949 86 

140,591 00 

1,000 00 

$794,540 86 
9,647 00 



Total paid policy holders, .... 

Cash paid for commissions and bonuses to agents (new poli- 
cies, $170,403.71 ; renewals, $72,117.71), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, . 
for salaries of officers and home office employees, 
for taxes on new premiums, $3,333.03 ; on re- 
newals, $9,604, .... 
for taxes on reserves, 
for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for commuting commissions, . 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 

Profit and loss account, ..... 



Total disbursements, 
Balance, 



$784,893 86 

2,377 00 

2,728 26 

144,930 39 

33,771 38 

181,021 95 

11,224 30 

5,270 00 
$1,166,217 14 

242,521 42 
55,688 01 
34,650 50 
65,277 69 

12,937 03 
26,234 20 
19,640 57 

6,641 91 
21,351 79 

4,000 00 
35,669 21 

7,036 20 

577 54 

16,009 80 

3,840 99 
15,303 27 
52,116 34 

$1,785,713 61 

$10,682,913 71 



Invested in the following : — 

Assets as per Ledger Accounts. 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 



. $1,151,828 59 

. 5,463,730 12 

6,600 00 



170 THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Total net or ledger assets, as per balance, 



$325,119 00 
402,040 38 

2,873,912 43 

157 03 

459.526 16 

$10,082,913 71 



Otiiek Assets. 

Interest due and accrued, 

Market value of stocks and bonds over book, . 



147,181 41 
51,769 73 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$48,488 43 
33,689 64 



Renewals. 

$50,726 54 
93,390 75 



$82,178 07 $144,117 29 
16,435 61 28,823 46 



$65,742 46 $115,293 83 



181,036 29 



Total assets, per company's books, . 
Deduct special deposits in other States, . 



Balance, 



$11,062,891 14 
135,247 00 

$10,927,644 14 



Liabilities. 



Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 

Net reserve, .... 
Present value of unpaid instalments, 
Death losses in process of adjustment, 
Premiums paid in advance, 
Special policy reserve, 
Special liability, .... 

Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Gross liabilities, 



$10,200,055 00 
14,842 00 

$10,185,213 00 

7,608 00 

30,166 00 

11,244 00 

187,934 00 

10,000 00 

$10,432,165.00 
135,247 00 

$10,296,918 00 
630,726 14 

$10,927,644 14 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



171 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, 
Premium notes restored by revival of policies 

Total, 

Used in payment of losses and claims, 

in purchase of surrendered policies, 
in payment of dividends to policy holders 
Redeemed by maker in cash, . 

Total, 



$451,560 68 

196 00 

$31,045 89 

8,769 50 

112 53 

9,788 38 



$451,756 68 



Balance note assets Dec. 31, 1897, 



49,716 30 
§402,040 38 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 





Number. 


Amount. 


Whole life, 


. 16,047 


$27,607,012 00 


Endowment, 


. 9,411 


13,362,241 00 


All other, . 


523 


965,000 00 


Reversionary additions, 


• ™" 


282,588 00 



Whole life, 
Endowment, 
All other, . 



25,981 $42,216,841 00 



Policies issued during the Year. 

. 3,670 $7,119,549 00 

. 2,025 3,260,950 00 

577 753,700 00 



6,272 11,134,199 CO 



Whole life, 
Endowment, 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 
22 $48,000 00 

24 33,000 00 



46 



Old Policies changed and increased. 



29 

20 

203 



$93,500 00 

38,093 00 

362,100 00 



252 



Additions by dividends, 
Total, . 



81,000 00 



493,693 00 
62,097 00 



32,551 $53,987,830 00 



Policies terminated during the Year. 
Whole life, . . . 2,530 $5,147,204 00 
Endowment, . . . 1,570 2,454,033 00 
All other 182 365,524 00 



4,282 $7,966,761 00 



172 THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 





How terminated. 






Number. Amount. Total No. 


ToUl Amount. 


By death, . 


412 $641,819 00 




maturity, 


108 140,523 00 




expiry, . 


20 49,913 00 




surrender, 


505 1,214,785 00 




lapse, . 


1,385 2,297,745 00 




change and decrease, . 


408 850,044 00 




Not taken, . 


1,444 2,771,932 00 






4,282 


|7,966,7G1 00 



Policies in Force Dec. 31, IS '97. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



17,238 $29,720,857 00 

9,910 14,240,251 00 

1,121 1,749,600 00 

310,361 00 



28,269 46,021,069 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

20 shares National Fire Ins. Co.. Hartford, Ct , $4,000 00 

28 " Merrick Thread Co., Holyoke, . . 7,000 00 

N. Y., X. H. & Hart. R R. debenture bond, . 1,400 00 



Loaned Thereon. 

$5,600 00 
1,000 00 



Schedule B. 
Stocks and Bonds owned by the 

200 shares Charter Oak Nat Bank, Hart., Ct. 
200 " First National Bank, Hart, Conn , 

35 " iEtna National Bank, Hart., Conn 
100 " Mercantile Nat. Bank, Hart , Conn 
644 " American Nat. Bank, Hart., Conn 

37 " Farmers' and Mech Nat. B'k, Hart. 
312 ' " Phoenix Nat. Bank, Hart., Conn., 
300 " Nat Exchange Bank, Hart, Conn. 

50 " United States Bank, Hart , Conn , 
116 " City Bank of Hartford, Conn., 
100 " Security Co , Hartford, Conn., 
284 " Hartford City Gas Light Co , . 

63 « N. Y., N. H. & Hartford R.R., 
700 " Fort Wayne & Jackson R.R., 

99 " Hartford Nat. Bank, 

Erie bonds, 

Chicago, Milwaukee & St. Paul bonds, . 
Vermont Valley R.R. bonds, 



Company. 

Book Value. 

$19,662 00 
22,255 00 

3,500 00 

1,950 00 
37,173 00 

4,080 00 
39,488 00 
18,900 00 

5,000 00 
12,156 00 
10,000 00 

7,350 00 
10,359 00 
78,650 00 
14,212 00 
120,833 75 
50,375 00 
103,750 00 



$12,400 00 $6,600 00 



Market Value. 

$18,000 00 

22,000 00 

4,900 00 

4,000 00 

45,080 00 

4,255 00 

39,000 00 

18,900 00 

16,250 00 

12,180 00 

12,500 00 

11,360 00 

11,340 00 

-7,500 00 

13,860 00 

140,000 00 
58,000 00 

105,000 00 



THE PHCENIX MUTUAL LIFE INSURANCE COMPANY. 



173 



Hartford & Conn. Western R.R. bonds, 

St. Louis & San Francisco R.R. bonds, 

Flint & Pere Marquette R.R. bonds, 

Louisville, New Albany & Chic. R'way bonds 

Chic, R. 1. & Pacific R'way bonds, . 

Baltimore Belt R.R. bonds, 

Tarkio Valley R.R. bonds, 

Indiana & Lake Michigan R'y bonds, 

Hannibal & St. Joseph R R. bonds, . 

Clev , Col., Cinn. & Ind'apolis R.R. bonds, 

Evansville & lndianap. R.R. bonds, . 

Rochester & Pittsburg R R. bond, . 

Cinn , Dayton & Ironton R'y bonds, 

St. Paul & Northern Pacific R'y bonds, . 

Lehigh Valley Terminal R'y bonds, 

Ohio & West Virginia R'y bonds, . 

Chicago & Western Indiana R.R. bonds, . 

Indianapolis & St. Louis R.R. bonds, 

Philadelphia & Reading R.R. bonds, 

Cin., Ind., St. Lou. & Chi. R'y bonds, 

Chicago & Northwestern R'y bonds, 

Elizabetht'n, Lex'ton & Big Sandy R.R. bonds 

Wabash R.R. bonds, 

Chicago & Erie bonds, .... 
Clev., Cinn., Chic. & St. Louis R'y bonds, 
Nashville, Chatt. & St. Louis R'y bonds, . 
Easton & Amboy R.R. bonds, . 
Cedar Rapids, Iowa Falls & Northw'n R'y b'ds 
Port Reading R R. bonds, 
Lehigh Valley R'y bonds, 
Central R.R , New Jersey, bonds, 
St. Louis Southern R.R. bonds, 
Louisville & Nashville R.R bonds, 
Baltimore & Ohio R.R. certificates, 
Indiana, Illinois & Iowa R.R. bonds, 
Wilmar & Sioux Falls R.R. bonds, . 
West Chicago St. R.R. Tunnel Co. bonds, 
Chicago North Shore St. Railway bonds, . 
N. Y., N. H. & Hartford R.R. bonds, 
Louisville & Jeffersonville Bridge Co. bonds, 
Brockton Street Railway bonds, 
Waterbury Traction Co. bonds, 
Hartford Street Railway bonds, 
Brooklyn Wharf & Warehouse bonds, . 
Western Union Telegraph Co. bonds, 
Niagara Falls Park bonds, 
County of Middlesex, Ont , debentures, . 
Virginia State bonds, .... 



Book Value. 

$50,000 00 
44,460 00 
50,000 00 
27,420 00 
24,556 25 
25,375 00 
15,417 50 
10,000 00 
28,250 00 

5,775 00 
27,500 00 
28,681 25 

9,550 00 
17,362 50 
51,875 00 
47,200 00 
91,052 50 

8,435 00 
51,250 00 
19,305 00 
57,320 00 

9,925 00 
50,687 50 
52,580 00 
67,337 50 
28,125 00 
52,825 00 
17,618 80 
51,250 00 
50,570 00 
55,127 50 
15,640 00 
26,625 00 
50,625 00 
13,125 00 
26,375 00 
25,250 00 
53,000 00 

2,500 00 
26,100 00 
41,000 00 
10,000 00 
25,437 50 
101,125 00 
22,200 00 
103,747 60 
31,800 00 
10,500 00 



Market Value. 

$50,000 00 
44,000 00 
42,500 00 
27,000 00 
25,500 00 
20,000 00 
14,980 00 
7,500 00 
29,500 00 
6,250 00 
22,500 00 
29,500 00 
11,000 00 
18,000 00 
55,000 00 
44,000 00 
94,400 00 
8,750 00 
52,500 00 
19,080 00 
55,860 00 
10,000 00 
53,000 00 
55,000 00 
69,250 00 
28,125 00 
53,500 00 
17,850 00 
51,500 00 
50,570 00 
55,625 00 
15,640 00 
26,625 00 
50,625 00 
13,125 00 
26,500 00 
25,500 00 
53,000 00 
3,500 00 
26,100 00 
41,000 00 
10,000 00 
25,250 00 
98,000 00 
21,000 00 

103,747 60 
31,500 00 
11,250 00 



174 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Pierce County, Wash., bonds, . 

Blair City, Neb., bonds, . 

St. Paul Gas Light Co. bonds, . 

Lincoln City, Neb., bonds, 

Topeka City, Kan., bonds, 

Urbana City, Ohio, bonds, 

Kansas City, Kan., bonds, 

Coldwater City, Mich., bonds, . 

Fostoria City, Ohio, bonds, 

Seattle City, Wash., water works & sewer b'ds 

Portland City, Oregon, bonds, . 

Cheyenne City, Wyo., bonds, . 

Ogden City, Utah, bonds, . 

Roanoke City, Va., bonds, 

Greensboro City, N. C , bonds, . 

Beatrice City, Neb., bonds, 

Sioux City, Iowa, School District bonds, 

Superior, Neb , School District bonds, 

Syracuse, Xeb., School District bonds, 

Stanbury, Mo., School District bonds, 

Trenton, Mo., School District bonds, 

Eaton, Mo , School District bonds, . 

Sheridan, Mo , School District bonds, 

Mankato, Minn., School District bonds, 

Humboldt, Neb., School District bonds, 

Nelson, Neb , School District bonds, 

Lewis & Clarke Co , Mont , School Dist bonds 

Polk Co , Oregon, School District bonds, 

County of Laramie, Wyo , School Dist. bonds 

Colfax, Washington, School District bonds, 

Portland, Oregon, School District bonds, 

Denver, Col., School District bonds, 

Maysville, Mo., School District bonds, 

Total, 



Book Value. 

152,000 00 

5,075 00 

10,600 00 

44,705 00 

22,387 98 

25,000 00 

7,649 64 

35,525 00 

10,000 00 

25,000 00 

59,325 00 

30,000 00 

7.720 00 

10,500 00 

4,590 00 

4,040 00 

34,825 00 

12,600 00 

10,350 00 

3,015 00 

9,405 00 

1,105 50 

1,648 00 

15,247 50 

9,135 00 

16,000 00 

35,787 50 

12,840 00 

21,000 00 

30,150 00 

25 T 250 00 

2,500 00 

7,361 16 



Market Value. 

$52,000 00 

5,000 00 

10,600 00 

45,000 00 

21,954 56 

25,000 00 

7,500 00 

35,000 00 

10,000 00 

25,000 00 

57,630 00 

30,000 00 

8,000 00 

10,000 00 

4,500 00 

4,000 00 

35,000 00 

12,000 00 

10,000 00 

3,000 00 

9,500 00 

1,100 00 

1,600 00 

15,000 00 

9,000 00 

16,000 00 

35,500 00 

12,360 00 

21,000 00 

30,000 00 

25,000 00 

2,500 00 

7,200 00 



*2,873,912 43 32,925,672 16 



"PROVIDENT LIFE AND TRUST COMPANY OF PHTLADELPHLV 

PHILADELPHIA, PA. 

[Incorporated March 22, 1865. Commenced business June, I860.] 
PAir>-rp Capital, $1,000,000. 
Samuel R Shipley, President. Asa S. Wing, Vice-Pres and Actuary. 



Income. 

Received for premiums on new policies, . 

Received for renewal premiums, 

Dividends applied to pay running premiums, 



$476,870 81 

3,308,375 57 

603,291 69 



PROVIDENT LTFE AND TRUST CO. OF PHILADELPHIA. 175 



Dividends applied to purchase paid-up additions and annuities, 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 

Total premium income, 

Received for interest, 

as discount on claims paid in advance, . 

for rents of company's property, 

Profit on securities sold, 

Received on investments of capital,* 

Total income, 

Net or ledger assets Dec. 31, 1896, .... 

Total, 

Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 

on matured instalment policies, .... 

Gross amount paid for losses and endowments, 

Paid to annuitants, 

Cash dividends paid policy holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions an 

annuities, 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance and 
annuities, 



Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poli- 
cies, $195,449.41 ; renewals, $177,824.37), . 
for salaries and allowances to managers and agents 
for medical examiner's fees, 
for salaries of officers and home office employees 

for taxes on premiums, 

for taxes on reserves, 

for taxes on real estate, 



$113,132 70 

80,507 00 
110,973 09 

$1,693,150 86 

1,328,639 75 

46,337 -26 

28,970 09 

3,510 22 

45,970 00 

§6,146,578 18 
30,543,593 86 

$36,690,172 04 



$985,071 18 

649,644 00 

700 00 

$1,635,415 18 

42,086 30 

75,498 16 

603,291 69 

113,132 70 
367,999 46 

80,507 00 

$2,917,930 49 
45,970 00 

373,273 78 
42,522 89 
19,239 59 

168,170 97 

51,147 48 

5,476 00 

12,834 50 



* The chiirter, besides authority to transact a life insurance business, confers also authority 
to act as administrator, executor, etc., to transact what is known as a trust business. The rela- 
tions of the two departments of the business are fixed by the provisions of the charter. The 
accounts are kept entirely distinct and separate. The entire surplus in the insurance depart- 
ment accumulates for the benefit of the policy holders. The only advantage, direct or indirect, 
which the stockholders can at any time have from the union of the two features of the business, 
results from the fact that the management of the trust business, from which they derive their 
profits, is done for them without charge. This includes the interest on the capital. 



176 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Cash paid for fees, licenses, etc , 

for rent, 

for advertising, printing and postage, , 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, 

Total disbursements, 

Balance, 



•6,384 91 

16,423 35 

35,000 26 

1,483 00 

12,374 21 

90,772 06 

5,957 45 

9,806 59 

. $3,814,827 53 

$32,875,344 51 



Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Total net or ledger assets, as per balance, 

Other Assets. 
Interest due nnd accrued, . . . . . 

Rents due and accrued, 

Market value of stocks and bonds over book, . 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent),. 

Net amount of uncollected and 
deferred premiums, 



$2,454,248 42 

12,042,803 52 

2,318,938 70 

2,989,008 33 

14,*99 69 

12,919,516 50 

135,869 35 

$32,875,344 51 



375,809 90 

5,867 11 

414,929 50 



New Business. Renewals. 

$65,253 15 $215,901 88 
65,249 80 557,955 04 



$130,502 95 $773,856 92 
26,100 59 154,771 38 



$104,402 36 $619,085 54 



723,487 90 



Total assets, per company's books, . 



£34,395,438 92 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $29,505,027 00 
Present value of unpaid instalments, 63,739 00 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 177 

Death losses due and unpaid, .... $34,964 44 
Death losses in process of adjustment, . . 31,325 00 

Claims resisted by the company, . . . 10,435 30 

Due and unpaid on annuity claims, . . . 1,752 18 

Total policy claims, $78,476 92 

Unpaid dividends of surplus due policy holders, . . . 58,106 26 

Premiums paid in advance, 169,825 93 

Due for taxes, fees, salaries, expenses, etc., .... 248 36 

Contingent surrender value, 152,986 00 



Liabilities as to policy holders, $30,028,409 47 

Surplus as regards policy holders, . . . $ 4,367,029 45 

Paid-up capital, 1,000,000 00 

Surplus over capital, 3,367,029 45 



Gross liabilities, $34,395,438 92 

Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $18,616 83 
Premium notes received during 1897, . . 1,624 20 

Total, $20,241 03 

Used in payment of dividends to policy holders, $2,298 04 

Kedecmed by maker in cash, .... 3,043 30 

Total, 5,341 34 



Balance note assets Dec. 31, 1897, $14,899 69 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Total No. Total Amount. 





Number. 


Amount. 


Whole life, 


. 3,305 


$11,849,992 00 


Endowment, 


. 29,553 


85,397,475 00 


All other, . 


. 3,433 


14,786,341 00 


Reversionary additions, 


- 


1,020,438 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



36,291 $113,054,246 00 
Policies issued during the Year. 



4,938 13,477,838 00 



532 


$1,642,123 00 


3,475 


8,511,819 00 


931 


3,323,896 00 


Old Policies revived. 


12 


$36,651 00 


100 


264,384 00 


24 


90,954 00 



136 391,989 00 



178 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Old Policies changed and increased. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Number. 

15 

91 

1 


Amount. Total No. 

859,500 00 

305,142 00 

11,033 00 

107 


Total Amount. 

8375,675 00 
172,229 00 


• 





Total, . 



Whole life, 
Endowment, 
All other, 



41,472 $127,471,977 00 



Policies terminated during the Tear. 

285 $993,070 00 

. 2,020 5,514,816 00 

541 2,309,363 00 





2,846 


$8,817,219 00 




How terminated. 


By death, .... 


335 


$1,003,904 00 


maturity, 


242 


649,644 00 


surrender, . 


667 


2,084,873 00 


lapse, .... 


1,340 


4,029,445 00 


change and decrease, . 


107 


623,903 00 


Not taken, .... 


155 


425,480 00 


Policies in Force Dec. 31, 1897. 


Whole life, 


. 3,579 


$12,595,196 00 


Endowment, 


. 31,199 


88,964,004 00 


All other, . 


3,848 


15,979,569 00 


Reversionary additions, 


- 


1,115,959 00 



2,846 8,817,249 00 



38,626 118,654,728 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

1,200 shares Pennsylvania R.R., 

4,000 " Lehigh Valley R.R., . 

Central of Georgia R'y bonds, 

Asa Packer's Estate Collateral Trust notes, 

Reading Co. & P. & R. Coal and Iron Co. bonds 

Electric & People's Traction bonds, 

150 shares Union Traction Co., 
2,000 " Penn. Heat, Light & Power Co., 
West Chicago Street R.R. bonds, 
500 shares Lehigh Coal and Navigation Co., 

50 " Baltimore Trust and Guarantee Co., 



Loaned Thereon. 

$67,200 00 
102,000 00 
136,500 00 } 

85,000 00 I 
119,000 00 j 

11,550 00 ? 
1,650 00 S 

84,000 00 

30,000 00 

20,500 00 ? 

10,000 00 S 



9,000 00 

70,000 00 
25,000 00 

22,000 00 



PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 179 



Choctaw, Oklahoma & Gulf R R. bonds, . 
Delano Land Co. bonds, .... 
Philadelphia & Reading R.R. bonds, 
Lehigh Valley R.R. annuity, . 
Pittsburgh, Bessemer & Lake Erie R.R. bonds 
2,000 shares Consolidated Traction Co., N. J. 
1,700 " Metropolitan Street R'y Co., 

400 " Consolidated Traction Co., Pitts 
7,500 " Union Traction Co., . 
1,100 •• Philadelphia Traction Co , . 
1,100 " The United Gas Improvement Co. 
1,000 " The Marsden Co., 

500 " Electric Storage Battery Co., 
Ashtabula & Pittsburg R'y bond, 
700 shares Electric Storage Battery Co., . 
500 " Consolidated Traction Co., N. J., 
100 " Metropolitan St. R'y Co., 
Metropolitan Street R'y bonds, 
400 shares Welsbach Light Co , 
Bonds and mortgages, Bridgeton, N. J., . 
725 shares Westinghouse Air Brake Co.,. 
650 " Westinghouse Elec. & M'f g Co., 
Metropolitan Street R'y Co. bonds, . 
1,800 shares Philadelphia Traction Co., . 
Lehigh Valley R.R annuity, . 
1,000 shares Bethlehem Iron Co., 
3,220 " Baltimore Consolidated R'y Co., 
North Chicago Street R.R. certificates, . 
3,050 shares West Chicago Street R.R., . 
1,545 " North Chicago Street R.R., . 



Market Value. 

$27,250 00 >| 
10,000 00 ! 
19,500 00 i 
36,900 00 J 

111,100 00 
72,000 00 

217,600 00>j 
13,200 00 
82,500 00 
84,700 00 } 

106,700 00 

7,000 00 

12,000 00 J 

1,150 00 

17,200 00 s 

18,000 00 ] 

12,800 00 } 

1,860 00 

16,000 00 J 

9,000 00 

137,750 00 
32,500 00 

125,550 00 

138,600 00 
61,500 00 
62,000 00 
70,840 00 >( 
60,000 00 ' 

305,000 00 

339,900 00 



Loaned Thereon. 

$84,000 00 

98,230 55 
40,000 00 



400,000 00 

950 00 

50,000 00 

4,000 00 
123,311 10 

197,950 69 

98,305 55 

}> 655,550 35 

J 



$2,877,500 00 $2,318,938 70 



Schedule B. 



Stocks and Bonds owned by the Company. 

Book Value. Market Value. 

300 shares Central Nat'l Bank of Phila., . $99,000 00 $99,000 00 

2,650 " United Gas Improvement Co., . 251,750 00 251,750 00 

1,000 " Grand Rapids & Indiana R'y Co., 5,000 00 5,000 00 

3,125 " Northern Pacific R'y Co., . . 103,125 00 182,812 00 

3,000 " Philadelphia Traction Co., . . 223,500 00 229,500 00 

5,200 " Reading Co., .... 74,000 00 84,000 00 

29 " The Thomas Iron Co., ... 609 00 609 00 

Baltimore & Ohio R.R Co. certs., . . . 100,000 00 100,000 00 

Atlantic City R.R. bonds, 106,000 00 106,000 00 

Lehigh Valley R.R. bonds, .... 61,00000 61,00000 

Richmond & Danville R.R. bonds, . . . 118,340 00 118,340 00 

Philadelphia & Erie RR bonds, . . . 54,990 00 54,990 00 



180 PROVIDENT LIFE AND TRUST CO. OF PHILADELPHIA. 



Western N. Y. & Penn. R.R. bonds, . 

Central of Georgia ETy bonds, . 

Chicago & Erie R.R. bonds, 

Allentown Gas Co. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds 

Atlantic City 11. R. bonds, . 

Baltimore city loan, .... 

Baltimore & Ohio R.R. bonds, . 

Baltimore & Ohio R R. certs., . 

Belt RR.& Stock Yard mortofaofe, . 

Boston city bonds, .... 

Catasanqua & Fogelsville R.R. bonds, 

Central of Georgia R'y bonds, . 

Chicago city bonds, .... 

Chicago & Erie R.R. bonds, 

Chic, Milwaukee & St. Paul R'y bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Cincinnati city bonds, 

Cook County, 111 , bonds, . 

Delaware River Ferry Co., N. J., bonds, 

Easton & Am boy R.R. bonds, . 

Erie R R. bonds, .... 

Frankfort City, Ky., bonds, 

Hennepin County, Minn , bonds, 

Jersey City bonds, .... 

Kansas City, Pittsburgh & Gulf R.R bonds, 

Kentucky & Indiana Bridge Co. bonds, 

Lehigh Coal & Navigation Co. bonds, 

Lehigh Valley R R. Co. annuity, 

Lehigh Valley Railway Co. bonds, . 

Lehigh & Wilkesbarre Coal Co bonds, 

Louisville, Ky., city bonds, 

Lynchburg, Va , bonds, 

Lynchburg, Va., city bonds, 

Mercer County, Ky., bonds, 

Metropolitan Street Railway bonds, 

Milwaukee city bonds, 

Missouri Pacific R.R. bonds, 

N. Y., Lake Erie & Western R.R. bonds, 

Northern Central Railway bonds, . 

N. Y., Lake E. & West'n Dock & Imp. Co. bxls 

Northern Pacific Railway bonds, 

North Pennsylvania R.R. bonds, 

Passaic & Newark Elect. Traction Co. bonds, 

Penn. & N. Y. Canal & R.R. Co. bonds, 

Pennsylvania R.R. bonds, . 

Philadelphia & Baltimore Central R.R. bonds, 

Philadelphia & Erie R.R. bonds, 



Book Value. 

$66,340 00 

89,000 00 

53,580 00 

49,500 00 

569,000 00 

65,000 00 

302,535 00 

150,000 00 

100,000 00 

30,000 00 

262,260 00 

36,000 00 

218,160 00 

200,000 00 

362,000 00 

55,000 00 

320,000 00 

520,375 00 

200,000 00 

19,110 00 

20,000 00 

472,500 00 

100,000 00 

210,000 00 

103,500 00 

41,010 00 

61,600 00 

603,000 00 

475,000 00 

247,500 00 

1,000 00 

250,000 00 

14,000 00 

36,000 00 

100,000 00 

173,375 00 

180,000 00 

89,000 00 

50,000 00 

172,000 00 

202,000 00 

318,387 50 

271,000 00 

195,000 00 

309,450 00 

389,000 00 

110,000 00 

260,000 00 



Market Value. 

$66,340 00 

89,000 00 

53,580 00 

55,000 00 

578,500 00 

68,900 00 

307,848 00 

117,000 00 

loo,000 00 

33,000 00 

262,250 00 

36,000 00 

213,600 00 

212,000 00 

375,060 00 

62,700 00 

342,400 00 

523,500 00 

208,000 00 

21,420 00 

21,400 00 

460,000 00 

100,000 00 

222,000 00 

112,000 00 

39,000 00 

61,000 00 

609,750 00 

549,000 00 

252,500 00 

1,000 00 

268,750 00 

14,000 00 

36,720 00 

10,000 00 

176,700 00 

175,610 00 

82,770 00 

51,500 00 

189,200 00 

214,730 00 

369,550 00 

302,165 00 

196,460 00 

282,530 00 

448,970 00 

110,000 00 

278,200 00 



PKOVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 181 



Philadelphia & Reading R.R. bonds, 

Phila., Wilmington & Bait. R.R. certificate, 

Philadelphia city loan, .... 

Pittsburgh & Connellsville R.R. bonds, . 

Port of Portland, Oregon, bonds, 

Quinoy, Illinois, city bonds, 

Reading Co. & P. & R. Coal & Iron Co. bonds 

Richmond, Va., city loan, .... 

Salt Lake City School District bonds, 

St. Louis, Mo., city bonds, 

Texas & Pacific R'y bonds, 

Trenton city loans, 

Verdigris Val., Inde. & Western R.R. bonds, 
Virginia State bonds, .... 

Wabash R.R. bonds, 

West Philadelphia Passenger R'y Co. bonds, 
Western Pennsylvania R.R. bonds, . 
Wilkesbarre & Scranton R'y bonds, 



Book Value. 

$561,795 00 

3,000 00 

601,375 00 

51,250 00 

51,500 00 

100,000 00 

284,000 00 

125,000 00 

75,000 00 

88,000 00 

129,760 00 

71,900 00 

49,500 00 

59,150 00 

44,800 00 

50,000 00 

150,000 00 

104,000 00 



Market Value. 

$569,450 00 

3,240 00 

609,562 00 

51,500 00 

51,450 00 

102,000 00 

297,500 00 

137,500 00 

78,000 00 

95,920 00 

139,130 00 

71,710 00 

32,500 00 

69,000 00 

50,880 00 

57,000 00 

154,500 00 

106,000 00 



$12,919,516 50 $13,334,446 00 



"PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 

YORK, 1 ' NEW YORK, N. Y. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875.] 

Paid-up Capital, $100,000. 

Edward W. Scott, President. William E. Stevens, Secretary. 

Income. 
Received for premiums on new policies, . 
Received for renewal premiums, 
Dividends applied to pay running premiums, 
Surrender values applied to purchase paid-up 
annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 

Received for interest, .... 

for rents of company's property, 

for reinsurance, .... 

Profit on securities sold, .... 

Profit and loss account, .... 



Total income, 
Net or ledger assets Dec. 31, 1896, 

Total, 



insurance and 



$486,666 97 

1,665,527 34 

207,108 36 



9,511 33 



$2,368,814 00 
12,059 18 

$2,356,754 82 

61,362 86 

22,835 69 

516 67 

5,164 42 

77,065 55 

$2,523,700 01 
1,847,190 14 

$4,370,890 15 



182 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Disbursements. 

Paid for losses, 

Paid on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Premium notes or loans voided by lapse, 

Cash dividends paid policy holders, 

Cash dividends applied to pay running premiums,. 

Surrender values paid in cash, 

Surrender values applied to purchase paid-up insurance 
annuities, 



am 



Total paid policy holders, 

Cash paid for dividends to stockholders, . 

for commissions and bonuses to agents (new poli- 
cies, $304,408.37 ; renewals, $121,263.09), . 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, 
for salaries of officers and home office employees, 
for taxes on new premiums, $4,977.07 ; on re- 
newals, $17,085.55, .... 
for taxes on reserves, .... 
for taxes on real estate, . . . 
for fees, licenses and State dep't examination, 

for rent, 

for commuting commissions, . 

for advertising, printing and postage, . 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for incidentals, 

Profit and loss account, 



Total disbursements, . 
Balance, 



$1,241,049 05 
500 00 

$1,241,549 05 
10,000 00 

$1,231,549 05 

1,581 40 

1,158 80 

20,227 05 

207,108 36 

15,845 27 

9,511 33 

$1,486,981 26 
3,488 80 

425,671 46 
27,671 46 
39,341 06 

124,229 34 

22,062 62 

353 62 

3,155 03 

9,724 66 

30,458 42 

614 04 

56,066 41 

38,481 15 

6,718 95 

9,319 30 

36,953 21 

60,068 83 

$2,381,359 62 

$1,989,530 53 



Invested in the following : — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 



$332,540 08 

213,750 00 

122,500 00 

43,265 53 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 183 



Premium notes or loans on policies in force, . 
Book value of stocks and bonds owned (schedule B), 
Cash in company's office, . 

deposited in bank, . 

in transit (since received). 
Bills receivable, 
Agents' debit balances, 
Loans to agents, 

Total, .... 
Deduct agents' credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over book, . 



$71,080 08 
815,509 42 

30,357 05 
277,347 24 

24,599 47 
885 01 

12,539 91 

45,232 65 



$1,989,606 44 
75 91 

$ 1,989,530 53 



21,818 76 

6,896 29 

32,021 31 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (25 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$131,396 00 
39,978 00 



Renewals. 

$43,605 00 
230,129 00 



$171,374 00 $273,734 00 
42,843 50 68,433 50 



$128,530 50 $205,300 50 



Total assets, per company's books, 

Items not admitted and Depreciation. 
Agents' debit balances, $12,539 91 



333,831 00 
$2,384,097 89 



Loans to agents, .... 
Bills receivable, .... 
Loan in excess of value, . 
Depreciation from cost of real estate, 
Total, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



45,232 65 

885 01 

65,000 00 

5,793 15 



129,450 72 

$2,254,647 17 

107,735 10 

$2,146,912 07 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$1,655,596 00 
Deduct net value of reinsured risks, 4,318 00 

Net reserve, $1,651,278 00 



184 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Death losses due and unpaid, . 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 
Contingent surrender values, . 

Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy holders, . 

Paid-up capital, 

Surplus over capital, 



$14,000 00 

215,520 00 

25,000 00 



- £254,520 00 
3,792 01 
4,493 21 

. $1,914,083 22 
107,735 10 



$340,563 95 



$1,806,348 12 

100,000 00 
240,563 95 



Gross liabilities, .... 

Premium Note Account. 

Premium notes on hand Dec. 31, 1896, 
Premium notes received during 1897 (new poli- 
cies, $64,267.17 ; old policies, $3,813.66), 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Redeemed by maker in cash, . 

Total, 

Balance note assets Dec. 31, 1897, 



. 


$2,146,912 07 


NT. 

$5,467 93 




68,080 83 






$73,548 76 




$154 37 




722 32 




1,158 80 




433 19 






2,468 68 





$71,080 08 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

. 1,883 $4,277,098 00 

683 1,029,312 00 

. 23,592 74,868,273 00 
26,158 $80,174,683 00 

Policies issued during the Tear. 

. 3,780 $11,495,988 00 

391 898,604 00 

. 4,236 12,387,523 00 



8,407 24,782,115 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

7 $22,500 00 

2 3,000 00 

72 294,820 00 



81 



320,320 00 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 185 



Whole life, 
Endowment, 
All other, . 



Old Policies increased. 

.Number 
11 

3 



21 



Amount. . 

$22,629 00 
3,000 00 
44,740 00 



Total No. Total Amount. 



35 



$70,369 00 



Total, 34,681 $105,347,487 00 



Policies terminated during the Year. 

Whole life, . . . 1,303 $2,989,010 00 
Endowment, ... 234 392,000 00 

Allother,. . . . 5,715 17,082,109 00 



7,252 $20,463,119 00 



How terminated. 



By death, . 

expiry, 

surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



386 

4,207 

151 

873 

8 

1,627 



$1,305,139 00 

12,063,362 00 

436,000 00 

1,731,066 00 

334,203 00 

4,593,359 00 



7,252 20,463,119 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Bee. 31, 1897. 

. 4,378 
845 
. 22,206 
27,429 



$12,829,205 00 

1,541,916 00 

70,513,247 00 



81,884,368 00 



Schedule A. 
Securities held as Collateral. 



10 shares Provident Invest. Co., Waco, Tex.,. 



240 
223 
625 
123 
683 
350 
25 



Waco Natatorium Co., . 
Hancock National Bank, Boston, . 
Columbia Spin'g Co., New Bedford, 
City Coal Co., New Bedford, . 
Lambeth Rope Co., New Bedford, . 
Bennet MTg Corp , New Bedford, 
Mathieson Alkali Works, N. Y., . 



Market Value. Loaned Thereon. 



$1,000 00 
24,000 00 
15,610 00 ^ 
9,375 00 
1,815 00 
10,245 00 
5,250 00 | 
375 00 J 



$20,000 00 



\ 102,500 00 



$67,700 00 $122,500 00 



186 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF N. Y. 



Schedule B. 
Slocks and Bonds owned by the Company. 



80 shares Ann Arbor R.R., 
300 " Chicago, Mil. & St. Paul R.R., 
200 " Chicago & Northwestern R.R., 
200 " Lake Erie & Western R.R., . 
400 " Lake Shore & M. S. Railway, . 

20 " Macon, Ga., Savings Bank, 

50 " Provident National B*k, Waco, Tex. 
100 " Pullman's Palace Car Co., 
240 " Sett.Co^Tder's B^Tacoma.Wash 

20 " Natatorium Co., Waco, Tex., . 

25 " Washington Trust Co., N. Y., . 

United States bonds, 

Ann Arbor R R. bonds, .... 
Atchison Jewell Co. & West. R.R. bonds, 

Canada loan, 

Central R R. & Bridge Co. bonds, . 
Chicago, Bur. & Q. R.R. bonds, 
Chicago & Erie R.R. bonds, 
Chicago & Western Ind. R.R. bonds, 
Cinn , Sand. & Clev. R.R. bonds, 
CI., Cinn., Ch & St. L. R'y bonds, . 
Duluth, South Sh. & Atlantic R.R bonds, 
Englewood, N. J., school bonds, 
Fremont, Elkhorn & M. V R.R. bonds, . 
Lake Erie & Western R.R. bonds, . 
Lehigh & Hudson River R.R. bonds, 
Minneapolis & St, Louis R.R. bonds, 
Montreal city bonds, ..... 
Nashville, Chatt. & St. Louis R.R. bonds, 
New York, Chic. & St. Louis R.R. bonds, 
Northwestern Telegraph Co. bonds, 
Oregon Improvement Co. bonds, 
Oregon S L. Railway bonds, . 
Pittsburgh & Western R.R. bonds, . 
Quebec government bonds, 
Richmond, Va., city bonds, 
San Antonio & Aransas Pass. Railway bonds, 
Southern Railway bonds, 
Texas & Pacific R R. bonds, 
Toledo & Ohio Central R.R. bonds, . 

Toronto city bonds, 

Wabash R.R. bonds, 



Book Value. 

$6,166 66 

37,062 50 

20,500 00 

16,975 00 

58,912 50 

1,980 00 

5,000 00 

14,312 50 

2,067 00 

2,000 00 

4,618 75 

117,875 00 

12,333 34 

15,241 55 

2,116 04 

9,950 00 

10,137 50 

15,056 25 

23,550 00 

5,075 00 

18,145 00 

19,425 00 

6,190 98 

25,525 00 

11,562 50 

19,825 00 

29,475 00 

43,357 50 

11,200 00 

9,162 50 

15,900 00 

10,251 25 

10,862 50 

25,137 50 

14,565 30 

10,100 00 

19,720 00 

26,587 50 

35,203 59 

7.760 00 

33,747 46 

30,876 25 



Market Value. 

$2,720 00 
42,750 00 
24,350 00 
14,3' 

68,400 00 

2,000 00 

5,500 00 

17,300 00 

2,067 00 

2,000 00 

5,650 83 

127,208 34 

13,200 00 

4,320 00 

2,096 67 

9,750 00 

10,908 34 

16,67 

23,900 00 
5,575 00 
19,066 67 
20,750 00 
6,040 93 
26,500 00 
11,550 00 
19,500 00 
31,700 00 
45,544 17 
10,500 00 
10,537 50 
15,9" 

10,200 00 
12,125 00 
23,100 00 
15,412 50 
10,050 00 
17,902 50 
27.7 - 
"83 33 
B,280 00 
33.419 40 
82,075 00 



$815,509 42 $847,530 73 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 187 



"THE PRUDENTIAL INSURANCE COMPANY OF AMERICA," 

NEWARK, N.J. 

[Incorporated 1873. Commenced business 1876.] 

Paid-up Capital, $2,000,000. 

John F. Dryden, President. Forrest F. Dryden, Secretary. 



Income. 

Received for premiums on new policies, 

Received for renewal premiums, . ' 

Dividends applied to pay running premiums, .... 
Dividends applied to purchase paid-up additions and annuities, 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 

annuities, 

Received for annuities, 

Total 

Deduct amount paid for reinsurance, .... 

Total premium income, 

Received for interest, 

Received for rents of company's property, 

Premium notes or loans restored, 

Profit and loss, 

Total income, 

Net or ledger assets Dec 31, 1896, 



$2,830,208 26 

11,227,763 97 

5,089 76 

10,153 41 

574 10 

510,265 71 
1,895,43 



$14,586,010 64 
6,053 77 



$14,579,956 87 

809,106 49 

188,321 61 

3,353 68 

26 00 

$15,580,764 65 
. 18,948,240 36 



Total, 



$34,529,005 01 



Disbursements. 

Paid for losses and additions, 

for matured endowments and additions, . 
on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes voided by lapse, 
Loans or liens voided by lapse, 
Cash dividends paid policy holders, 

applied to pay running premiums, 
applied to purchase paid-up additions and an 
nuities, 



. $4,346,954 87 


15,778 00 


607 57 


. $4,363,310 44 


5,000 00 


. $4,358,340 44 


1,923 50 


10,371 06 


16,966 08 


67,200 93 


5,089 76 



10,153 41 



188 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poli 

cies, $1,473,397.41; renewals, $1,557,513.98), 
for salaries and allowances to managers and agents 
for medical examiner's fees and inspections, 
for salaries of officers and home office employees 
for taxes on premiums, . 
for taxes on surplus, 
for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for commuting commissions, . 

fur advertising, printing, postage, etc., 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 

Total disbursements, 

Balance, 



$5,890 


85 


A 


10 


a 

510,265 


71 


. $4,986,775 84 


200,000 00 


- 

. 3,030,911 


39 


5, 1,567,605 


59 


2G3,126 


69 


560,233 01 


149 




40,312 08 


37,715 


69 


27,364 44 


119,599 


15 


1,851 


83 


262,201 


81 


30,345 54 


54,369 


86 


80,449 


56 


5,260 53 


33,380 - 



? 11,456,780 75 



$23,072,224 26 



Invested in the following : — 



Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, 

Total net or ledger assets, as per balance, 



$3,014,644 97 

9,614,109 56 

220,000 00 

115,012 55 

40,600 58 

9,035,231 00 

96,033 53 

936,592 07 



$23,072,224 26 



Other Assets. 



Interest due and accrued, . 

Rents due and accrued, 

Market value of bonds over book, 



3 55 
13,931 31 
131,8. 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 189 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, . 
Deduct loading (20 per cent.), . 

.Net amount of uncollected and 
deferred premiums, 



New Business. 

$98,302 31 
257,250 47 



Renewals. 

$34,196 63 
321,223 97 



$355,552 78 $355,420 60 
71,110 56 71,084 12 



$284,442 22 $284,336 48 



Net amount of uncollected premiums (industrial), 

Furniture and fixtures, 

Stationery and supplies, 

Law library, . 



$568,778 70 

22,795 95 

28,283 94 

8,997 53 

13,188 13 



Total assets, per company's books, . 



$24,130,830 07 



Items not admitted. 



Office furniture, etc., 
Agency supplies, stationery, etc., 
Law library, .... 
Total 



$28,283 94 

8,997 53 

13,188 13 



50,469 60 



Total admitted assets, 



$24,080,360 47 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $18,158,264 00 



Deduct net value of reinsured risks, 



Net reserve, .... 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy holders, 
Premiums paid in advance, 
Due for medical fees, etc., 
Special reserve, .... 



Liabilities as to policy holders, . 
Surplus as regards policy holders, . 
Paid-up capital, .... 

Surplus over capital, • . 



9,232 00 



$18,149,032 00 



$200 00 
15,475 89 
23,247 50 



38,923 39 

2,475 30 

12,560 42 

33,819 25 

500,000 00 



$18,736,810 36 



. $5,343,550 11 



. 2,000,000 00 
. 3,343,550 11 



Gross liabilities, 



$24,080,360 47 



190 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



Premium Note Account. 



Premium notes on hand Dec. 31, 1896, 

recM during 1897 (old policies) 
restored by revival of policies 

Total, 

Used in payment of losses and claims, 
Used in purchase of surrendered policies, 

Voided by lapse, 

Used in payment of dividends to policy holders 
Redeemed by maker in cash, . 

Total, 



$19,567 87 

34,646 58 

3,353 68 



$125 68 

3,337 32 

10,371 06 

1,083 73 

2,049 76 



$57,568 13 



16,967 55 



Balance note assets Dec. 31, 1897, 



$40,600 58 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1S96. 

Total No. Total Amount. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. 

30,891 $35,597,745-00 

4,586 4,836,476 00 

330 969,311 00 

19,313 00 



35,807 $41,422,845 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 24,294 $25,603,627 00 

. 3,343 3,841,965 00 

277 736,045 00 



27,914 30,181,637 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 



979 
108 

1 


$1,142,785 00 

83,350 00 

5,000 00 



1,088 



1,231,135 00 



Whole life, 

Endowment, 

All other, .... 

Additions by dividends, . 

Total, .... 



Old Policies increased. 

$96,561 00 

60,053 00 

1,250 00 



157,864 00 
11,162 00 



64,809 $73,004,643 00 



THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 191 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

Number. Amount. Total No. 

. 10,695 $11,888,406 00 

. 1,387 1,411,901 00 

144 357,698 00 

12,226 $13,658,005 00 



Total Amount. 



How terminated. 



By death, . 


266 


$339,076 00 


maturity, 


18 


15,778 00 


expiry, . 


2 


2,000 00 


surrender, . 


356 


376,723 00 


lapse, . 


9,943 


10,105,796 00 


change and decrease, . 


- 


291,918 00 


Not taken, . 


1,641 


2,526,714 00 

12,226 $13,658,005 00 



Policies in Force Dec. 31, 1897. 

Whole life, . . . 45,469 

Endowment, . . . 6,650 

All other, .... 464 

Reversionary additions, . - 



$50,552,312 00 

7,409,943 00 

1,355,562 00 

28,821 00 



Industrial policies in force, 



- 52,583 59,346,638 00 
2,658,700 303,770,952 00 



Schedule A. 
Securities held as Collateral. 



Newark & South Orange R'y Co. bonds, 



Market Value. Loaned Thereon. 

$483,120 00 $220,000 00 



Schedule B. 
Stocks and Bonds owned by the Company. 



United States bonds, .... 
Atlantic City, N. J., bonds, 
Borough of Asbury Park, N. J., bonds, 
Borough of Chatham, N. J., bonds, . 
Borough of Lodi, N. J., bonds, . 
Columbus, Ohio, bonds, . 
Elizabeth City, N. J., bonds, 
Jersey City, N. J., bonds, . 
Newark, N. J., bonds, 



Book Value. 

$119,500 00 

281,562 50 

49,275 00 

45,000 00 

13,800 00 

123,925 00 

121,750 00 

53,625 00 

454,401 00 



Market Value. 

$112,625 00 

286,250 00 

51,750 00 

45,000 00 

13,800 00 

126,250 00 

121,875 00 

53,625 00 

485,854 00 



192 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA. 



New Jersey Zinc Co. bonds, 
Orange, N. J , bonds, 
Passaic, N. J., Water Co. bonds, 
Northfield, N. Y., town bonds, . 
East Orange, N. J., township bonds 
Village of Richmond Hill, N. Y., bonds, 
Village of Rockaway Beach, N. Y., bonds, 
Village of Whitestone, N. Y , bonds, 
Lackawanna Iron and Steel Co. bonds, 
Baltimore & Potomac R.R. bonds, . 
Bellefontaine & Indiana R.R. bonds, 
Buffalo & Erie R.R. bonds, 
Camden & Atlantic R.R. bonds, 
Cedar Rapids & Missouri River R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago & Milwaukee R.R. bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & St. Louis R.R. bonds, 
Chicago & Northwestern R.R. bonds, 
Chicago, St. Louis & Pittsburg R R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, St. Paul & Minneapolis R.R. bonds, 
Chicago, St. Louis & New Orleans R.R. bonds 
Chicago & Southwestern R.R. bonds, 
Cin., Indianapolis, St Louis & Chic. R.R. bonds 
Clev., Col., Cin. & Ind. R.R. bonds, . 
Columbus & Indianapolis Central R.R. bonds 
Detroit, Monroe & Toledo R.R bonds, . 
Fremont, Elkhorn & Missouri Val. R.R. bonds 
Hannibal & St. Joseph R.R bonds, . 
Ind. Belt R.R. & Stock Yard Co. R R. bonds, 
Iowa Midland R.R bonds, 
Jackson, Lansing & Saginaw R.R. bonds, 
Kalamazoo, Allegan & Gr. Rapids R.R. bonds 
Kan. City & Independ. Air Line R.R. bonds, 
Lake Shore R.R. bonds, .... 
Lake Shore & Michigan Southern R.R. bonds 
Long Island R R. bonds, . 
Louisiana & Missouri River R.R. bonds, 
Louisville & Nashville R.R. bonds, . 
Michigan Central R.R bonds, . 
Milwaukee & Madison R R. bonds, . 
Milwaukee & Northern R.R. bonds, 
Michigan Central R R. bonds, . 
X. Y. Central & Hudson River R.R. bonds, 
North Hudson County, N. J., R.R. bonds, 
Ottawa, Oswego & Fox River Val. R R. bonds, 
Pittsburg, Cincinnati & St. Louis R.R. bonds, . 



Book Value. 

$315,000 00 

107,000 00 

100,000 00 

79,050 00 

5,441 70 

89,156 25 

67,174 50 

63,562 50 

262,500 00 

31,805 00 

4,319 40 

7i.»,996 60 

7,327 60 

66,982 50 

343,771 80 

80.761 75 
174,825 00 
123,465 00 

50,000 00 

115,618 75 

428,260 05 

3,686 25 

400,661 90 

68,188 70 

202,035 00 

272,905 40 

219,193 20 

79,038 75 

85,256 95 

211,156 50 

234437 50 

56,721 00 

93,602 50 

26,125 00 

39,840 00 

150,324 70 

129,340 00 

11,746 00 

124,213 85 

334,117 30 

45.762 50 
122,105 00 
148,789 20 

57,911 25 

28,468 75 

7,215 00 

30,160 30 

163,112 So 



Market Value. 

$818,000 00 

121,820 00 

100,000 00 

79,050 00 

5,441 70 

89,156 

67,174 50 

63.562 50 
265,000 00 

31,200 00 
4,090 00 

67,502 50 
1 25 

66,040 00 
329,440 00 

75,110 00 
181,500 00 
133,200 00 

51,750 00 

118,625 00 

436,490 00 

3,870 00 

409,200 00 

67,600 00 
206,045 00 
256,147 50 
218,068 75 

76,230 00 

89,780 00 
219,688 75 
236,000 00 

55,750 00 

95,680 00 

29,375 00 

40,800 00 
140,062 50 
132,720 00 

11,096 25 
117,583 75 
315,347 50 

47,200 00 

127,050 00 

151,288 75 

-.Odd 00 

28375 00 
7,245 00 

28,437 50 
162,891 25 



THE TRAVELERS INSURANCE COMPANY. 



193 



St. Louis & Iron Mountain R R. bonds, . 

St. Paul & Northern Pacific R.R. bonds, . 

St. Paul, Minn. & Manitoba R.R. bonds, . 

Syracuse, Binghamton & N. Y. R.R. bonds, 

Union & Logansport R.R. bonds, 

West Shore R R bonds, .... 

Winona & St. Peter R.R. bonds, 

St. Paul & Northern Pacific R R. bonds, . 

Bridgeport Traction Co. R.R. bonds, 

Newark & South Orange St. R.R. bonds, 

Plainfield Street R.R. bonds, . 

Rapid Transit of Newark Street R R. bonds, 



Book Value. 

1110,250 00 
255,433 25 
312,561 50 

5,950 00 

13,245 75 

63,000 00 

116,008 75 

9,740 00 
325,000 00 
312,000 00 

7,200 00 
308,870 00 



Market Value. 

$115,560 00 

259,065 00 

319,065 00 

6,200 00 

13,227 50 

65,400 00 

114,310 00 

10,220 00 

360,500 00 

321,360 00 

8,000 00 

335,780 00 



1,035,231 00 $9,170,057 70 



"THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[life department] 

[Incorporated June 17. 1863. Commenced business July 1, 1866.] 

James G. Batterson, President. George Ellis, Secretary. 



Income. 

Received for premiums on new policies, . 
Received for renewal premiums, 
Surrender values applied to pay running premiums, 
Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, .... 
Received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



$373,289 38 

2,171,595 12 

8,902 89 

3,096 00 

$2,556,883 39 
93,394 89 

$2,463,488 50 

733,977 97 

86,111 16 



$3,283,577 63 
16,907,893 77 

$20,191,471 40 



Disbursements. 

Paid for losses, 

for matured endowments, .... 
on matured instalment policies, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 



$708,101 23 

116,572 00 

103,281 56 

$927,954 79 

35,338 00 

$892,616 79 



194 



THE TRAVELERS INSURANCE COMPANY. 



Paid to annuitants, 

Surrender values paid in cash, 

Surrender values applied to pay running premiums, 

Total paid policy holders, 

Cash paid for dividends to stockholders, 

for commissions and bonuses to agents (new poli- 
cies, $155,010.35 ; renewals, $111,359.16), . 
for salaries and allowances to managers and agents, 

for medical examiner's fees, 

for salaries of officers and home office employees, 
for taxes on new premiums, $3,740.17; on re- 
newals, $22,415.62, . . . 
for taxes on franchise, $1,100 ; on reserves, $3,480, 
for taxes on real estate, . 
for fees, licenses, etc., 

for rent, 

for advertising, printing and postage, 

for legal expenses, .... 

for furniture and office fixtures, 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, 

Profit and loss account, 



Total disbursements, 
Balance, 



$15,072 27 

317,528 26 

8,902 89 

,234,120 21 
50,000 00 

266,369 51 
45,400 31 
20,948 90 
65,105 57 

26,155 79 

4,580 00 

27,825 98 

3,666 55 

17,381 74 

23,998 86 

16,296 95 

881 05 

96,064 27 

14,370 90 

24,341 36 

108,637 96 

. $2,046,145 91 

$18,145,325 49 



Invested in the following : — 



Assets as ter Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
'Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

•Cash deposited in bank, 



$1,841,527 59 
5,906,610 72 
945,400 94 
1,106,580 51 
7,247,660 71 
1,383 30 
1,096,161 72 



Total net or ledger assets, as per balance, 



$18,145,325 49 



Other Assets. 

Interest due and accrued, 

Market value of real estate over book, . 
Market value of stocks and bonds over book, . 



192,672 29 

152,937 72 

7,538 30 



THE TRAVELERS INSURANCE COMPANY. 



195 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

$80,562 22 $193,831 08 
61,810 53 279,994 11 



$ 142,372 75 §473,825 19 
28,474 55 94,765 04 



$113,898 20 $379,060 15 



$492,958 35 



Total assets, per company's books, . 
Deduct special deposits in other States, . 



Balance, 



$18,991,432 15 
. 1,169,580 27 

$17,821,851 88 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $17,005,920 00 
Deduct net value of reinsured risks, ..... 338,134 00 



Net reserve, .... 
Present value of unpaid instalments, 
Reserve for indemnity contracts, 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 
Due for taxes, fees, salaries, expenses, etc., 

Liabilities as to policy holders, 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Gross liabilities, 



$16,667,786 00 

426,288 00 

5,000 00 



$6,430 00 

5,767 00 

54,430 40 

11,000 00 



77,627 40 
25,330 58 
25,000 00 

$17,227,031 98 
. 1,169,580 27 

$16,057,451 71 
. 1,764,400 17 

$17,821,851 88 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 21,973 $59,972,036 00 
Endowment, . . . 8,309 20,426,864 00 
All other, .... 2,663 7,844,367 00 

32,945 $88,243,267 00 



196 



THE TRAVELERS INSURANCE COMPANT. 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

Number. Amount. Total No. 

. 3,371 19,957,035 00 

. 1,359 3,104,985 00 

463 1,162,778 00 



Total Amount. 



5,193 114,224,798 00 



Old Policies revived. 

46 $160,611 00 

14 51,300 00 

3 3,879 00 



63 



215,790 00 



Old Policies increased. 

20 1109,989 00 

16 39,992 00 

524 1,933,900 00 



560 2,083,881 00 



Total, 38,761 $104,767,736 00 

Policies terminated during the Tear. 

Whole life, . . . 2,626 $8,453,921 00 
Endowment, . . . 1,081 2,736,190 00 
All other, .... 614 1,695,415 00 





4,321 


$12,885,526 00 




How terminated. 


By death, . 


355 


$924,956 00 


maturity, 


87 


148,795 00 


expiry, . 


276 


721,100 00 


surrender, . 


636 


1,643,204 00 


lapse, . 


. 1,341 


3,738,083 00 


change and decres 


ise, . 197 


1,098,108 00 


Not taken, . 


. 1,429 


4,611,280 00 



4,321 12,885,526 00 



Whole life, 
Endowment, 
All other, . 



Policies in Force Dec. 31, 1897. 
. 22,784 $61,745,750 00 
. 8,617 20,886,951 00 
. 3,039 9,249,509 00 
34,440 



91,882,210 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

40 shares Hartford Carpet Co., . . . $2,400 00 

Galv., Harrisburg & San Antonio R.R. bonds, . 58,880 00 

4 shares Eagle Lock,Co., Terryville, Conn., . 200 00 

6 M Southern N. E. Tel. Co., New Haren, . 750 00 



Loaned Thereon. 

f 900 00 
45,500 00 

450 00 



THE TRAVELERS INSURANCE COMPANY. 



197 



40 shares Bank of Topeka, Kan., 

Mortgages assigned, 

Mortgages assigned, 

25 shares First National Bank, Durango, Col 
50 " Broadway Inv. Co., Denver, Col., 
10 " Farmers' High L. Can. & Res. Co., 
720 " E. N. Welch Manufacturing Co., 
821 " Bristol Brass & Clock Co., Conn., 
423 " Bristol Manufacturing Co., Conn., 
Mortgage, Bristol, Conn., . 
Texas & New Orleans R R. bonds, . 
Southern Pacific of Arizona R.R. bonds, . 
Galv., Harrisburg & San Ant. R.R. bonds, 
Southern Pacific of California R R. bonds, 
Northern of California R.R bonds, . 
Parsons Light & Heat Co., Kansas, bonds, 
Mortgage, Seattle, Wash , assigned, 
Southern Pacific R R. of New Mexico bonds, 
Galv , Harrisburg & San Ant. R.R. bonds, 
Northern Railway of California bonds, . 
Texas & New Orleans R R. bonds, . 
1,275 shares Third Ave. R.R., N. Y. city, 

422 " Denver Tramway, Denver, Col., 
Warranty deed, Denver, Col., . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
103 shares Hartford & Conn. Western R.R., 
Mortgage, Brooklyn, N. Y., assigned, 
Trust deed, Pueblo, Col., assigned, 
Pennsylvania Company Co. bonds, 
Mortgage, Hartford,. 
Arizona funding bonds, . 
Mortgages assigned,. 
926 shares The Bradstreet Co., N. Y., 
100 " Southern N. E. Telephone Co 
Centralia & Chester R.R. Co. bonds, 



Schedule B. 



Market Value. 

$5,000 00 

15,000 00 

87,900 00 

2,500 00 

2,500 00 

5,000 00 

18,000 00 

30,787 50 

15,862 50 

20,000 00 

24,000 00 

24,750 00 

27,000 00 

44,500 00 

13,650 00 

50,000 00 

54,000 00 

53,000 00 

36,000 00 

22,750 00 

24,000 00 

207,825 00 

25,320 00 

45,000 00 

26,060 00 

2,163 00 

600 00 

7,000 00 

10,260 00 

7,000 00 

40,400 00 

21,000 00 

463,000 00 

12,500 00 

27,200 00 



Loaned Thereon. 

$3,950 00 

7,000 00 

69,000 00 

2,000 00 



45,000 00 



J> 100,000 00 

i 

I 
J 

30,000 00 

44,200 94 

1 

y 100,000 oo 



150,000 00 
35,000 00 

21,000 00 

500 00 

5,000 00 

7,500 00 

2,000 00 

30,000 00 

15,000 00 

200,000 00 

10,000 00 

21,400 00 



$1,533,758 00 $945,400 94 



Stocks and Bonds owned by the Company. 



500 shares Del , Lack. & Western R.R., 



1,650 

1,250 

600 

1,000 

700 

500 



N. Y. Cent. & Hudson Riv R.R., 
Lake Shore & Mich. South. R.R., 
Rensselaer & Saratoga R.R., 
Missouri Pacific R.R., . 
Chic, Rock Island & Pacific R.R., 
Central Pacific R.R., 



Book Value. 

$33,656 25 
175,425 00 
157,425 00 
106,800 00 
103,537 50 
85,856 25 
46,612 50 



Market Value. 

$39,000 00 

176,550 00 

216,250 00 

106,800 00 

34,000 00 

63,612 50 

5,937 50 



198 



THE TRAVELERS INSURANCE COMPANY. 



Book Value. Market Value. 

100 shares Boston & Albany R.R , ' . . $20,16150 $21,700 00 

2,000 " Chicago & Northwestern R.R., . 236,775 00 211,500 00 

125 " New England R.R., . . . 7,750 00 10,000 00 

425 " Southern R.R., .... 14,237 50 13,175 00 

75 M Mobile & Birmingham R.R., . 7,500 00 750 00 

500 " Northern Pacific R.R., . . . 16,500 00 29,437 50 

244 " Atch., Topeka & Santa Fe R.R., . 5,917 00 7,442 00 

300 " Manhattan Railway, . . . 30,200 00 33,562 50 

600 " Nat'l Exch'ge B'k, H'tford, Conn., 43,046 50 36,000 00 

1,189 " Hartford Nat'l Bank, Conn., . 187,803 75 162,893 00 

250 " First Nat'l Bank, Hartford, Conn., 26,636 63 28,750 00 

250 " Charter Oak N. B'k, Hart., Conn., 30,216 25 23,000 00 

302 " Thames N. B'k, Norwich, Conn , . 42,492 00 46,810 00 

300 " First N. B'k, Wallingford, Conn., 31,800 00 34,500 00 

200 " First N. B'k, Middletown, Conn., 21,097 00 20,800 00 

200 " Am. Ex. Nat'l B'k, New York, . 21,413 00 34,000 00 

240 " Mer. Ex. Nat'l B'k, New York, . 11,912 79 13,800 00 

100 " Nassau B'k, New York, . . 7,250 00 7,500 00 

50 " N'l Ger.-Am. B'k, St. Paul, Minn., 15,100 00 3,600 00 

200 " N'l B'k of C'wealth, Boston, Mass., 21,212 75 28,400 00 

100 - Atlas Nat'l Bank, Boston, Mass., . 11,900 00 10,700 00 

40 " State Nat'l B'k, St. Joseph, Mo, . 7,600 00 1,800 00 

350 " Con. T. & S. D. Co, Hart., Conn, 29,400 00 57,750 00 

140 '« Security Co, Hartford, Conn , . 14,736 25 17,220 00 

840 " Hartford City Gas Light Co , . 38,235 01 35,280 00 

2,470 " Hartford L'n & T. Co, Den, Col, 247,000 00 197,600 00 

Province of Manitoba bonds 79,443 47 83,940 27 

Province of Quebec bonds 47,449 83 52,560 00 

Clark County, S. Dak , bonds, .... 2,752 00 3,000 00 

Riley County, Kan, bonds, .... 48,000 00 53,875 00 

Mecklenburgh County, N. C, bonds, . . 26,812 50 26,812 50 

Cumberland County, N. C, bonds, ... 85,000 00 85,000 00 

Union County, S. C, bonds, .... 66,875 00 66,875 00 

Pendleton County, Ky, bonds 21,200 00 21,600 00 

De Kalb County, Ala, bonds, .... 17,500 00 17,500 00 

Laramie County, \Vyo„ bonds, . . . 50,000 00 50,000 00 

Coconino County, Ariz, bonds, . . . 15,000 00 15,000 00 

Tarrant County, Tex, bonds, .... 50,000 00 50,000 00 

Bexar County, Tex, bonds, .... 52,500 00 58,000 00 

McLennan County, Tex, bonds, . . . 75,600 00 75,600 00 

Sault Ste. Marie, Ont, town bonds, . . . 50,995 00 50,000 00 

Parkdale, Ont, town bonds, .... 11,765 00 12,300 00 

Collingwood, Ont, town bonds, . . . 4,900 00 5,145 00 

Almonte, Ont , town bonds, .... 10,13133 10,81500 

Paris, Ont, town bonds, 8,567 75 8,840 00 

Port Arthur, Ont, town bonds, . . . 43,000 00 43,000 00 

Coaticook, Que, town bonds, .... 25,375 00 27,000 00 

Iberville, Que , town bonds, .... 10,325 00 10,400 00 



THE TRAVELERS INSURANCE COMPANY. 



199 



Whitesboro, Tex., town bonds, 
Cedartown, Ga., town bonds, . 
Wilson, N. C , town bonds, 
East Las Vegas, N. M., town bonds 
Frankfort, So. Dak , township bonds 
North, Ind., township bonds, . 
Lancaster, Kan., township bonds, 
Walnut, Kan., township bonds, 
Rock Creek, Kan., township bonds, 
Parker, Kan., township bonds, 
Canton, Kan., township bonds, 
Elk, Kan., township bonds, 
Crawford, Kan., township bonds, 
Blaine, Kan., township bonds, 
Oswego, Kan., township bonds 
Winnipeg, Man., city bonds, 
Brandon, Man , city bonds, 
Minneapolis, Minn., city bonds 
Winona, Minn., city bonds, 
Superior, Wis., city bonds, 
Colorado City, Col., city bonds 
Canon City, Col., city bonds, 
Pueblo, Col., city bonds, . 
Cheyenne, Wyo., city bonds, 
Lexington, Ky., city bonds, 
Quitman, Ga , city bonds, . 
Waycross, Ga , city bonds, 
Farmersville, Tex., city bonds, 
St. Jo, Tex., city bonds, . 
Orange, Tex., city bonds, . 
Greensboro, N. C, city bonds, 
Fayetteville, N. C, city bonds, 
Missoula, Mont , city bonds, 
Helena, Mont., city bonds, 
Butte, Mont , city bonds, . 
Boise City, Idaho, city bonds, 
Salt Lake City, Utah, city bond 
Logan, Utah, city bonds, . 
Sioux City, Iowa, city bonds, 
Indianapolis, Ind., city bonds, 
Falls City, Neb , city bonds, 
Tecumseh, Neb., city bonds, 
Edgar, Neb., city bonds, . 
Clyde City, Kan., city bonds, 
Arkansas City, Kan., city bonds, 
Ottawa, Kan., city bonds, 
Kansas City, Kan., city bonds, 
Sherbrooke, Que , city bonds, 



Book Value. 

8 10,000 00 
50,000 00 
12,000 00 
10,200 00 

1,455 00 
25,000 00 
1 4,850 00 
18,000 00 
25,000 00 
24,500 00 
15,200 00 
13,125 00 
,23,875 00 
13,200 00 
10,000 00 
79,470 00 
25,000 00 
69,825 00 
33,000 00 
22,500 00 

5,000 00 
30,070 00 
22,736 25 
65,000 00 
30,600 00 
20,000 00 
25,000 00 
12,500 00 

4,890 00 
14,070 00 
17,680 00 

6,370 00 
25,750 00 
75,376 30 
45,700 00 
30,000 00 
23,287 50 
19,000 00 
23,650 00 
31,661 72 
22,560 00 
20,895 00 
12,935 00 

4,375 00 
26,250 00 

8,160 00 

4,400 00 
30,750 00 



Market Value. 

$10,000 00 
54,000 00 
12,000 00 
11,400 00 

1,500 00 
25,000 00 
15,000 00 
18,000 00 
25,000 00 
25,000 00 
16,000 00 
15,000 00 
25,000 00 
16,000 00 
10,000 00 
79,000 00 
25,500 00 
69,825 00 
33,000 00 
22,500 00 

5,116 66 
31,723 33 
25,370 00 
66,787 50 
34,050 00 
20,000 00 
26,750 00 
12,500 00 

5,250 00 
14,000 00 
18,827 50 

6,500 00 
27,437 50 
79,367 50 
49,537 50 
30,000 00 
24,207 50 
20,550 00 
23,000 00 
31,656 31 
24,000 00 
21,210 00 
13,130 00 

5,000 00 
26,875 00 

8,320 00 

3,000 00 
33,000 00 



200 



THE TRAVELERS INSURANCE COMPANY. 



Quebec, Que., city bonds, 

Hull, Que , city bonds, 

St. Hyacinthe, Que., city bonds, 

Montreal, Que., city bonds, 

St. Thomas, Ont., city bonds, . 

Toronto, Ont., city bonds, 

Guelph, Ont, city bonds, . 

Port Hope, Ont., city bonds, 

Brantford, Ont., city bonds, 

Stratford, Ont., city bonds, 

Vancouver, B. C, city bonds, . 

Victoria, B. C, city bonds, 

Kansas City, Mo , certificates, . 

Hunt Drainage district bonds, . 

Windsor Locks, Coun., Water Co bonds, 

Brooklyn Wharf and Warehouse Co. bonds, 

Fort Smith and Van Buren Bridge Co. bonds 

Middletown & Portland Bridge Co. bonds, 

Massillon & Cleveland Coal Co. bonds, . 

Western Union Telegraph Co. bonds, 

Eastern Illinois Coal Co. bonds, 

Denver Consolidated Electric Co. bonds, 

Allentown, Pa., Gas Co bonds, 

Lake Shore & Mich. Southern R.R. bonds, 

Cincinnati, Ind., St. L. & Chicago R.R. bonds 

Cincinnati, Dayton & Ironton R.R. bonds, 

Mobile & Birmingham R.R. bonds, . 

Atchison, Topeka & Santa Fe R.R. bonds 

Southern R.R. bonds, 

St. Louis & San Francisco R.R. bonds, 

Keokuk & Des Moines R.R. bonds, . 

Chicago, Milwaukee & St. Paul R R bon 

Canadian Pacific R.R. bonds, . 

Hereford, Ca., R R. bonds, 

Stillwater & St Paul R.R bonds, 

Toledo, St Louis & Kansas City R.R boi 

Staten Island Rapid Transit R.R. bonds, 

Seattle, Lake Shore & Eastern R.R. bond 

Lehigh Valley Terminal R.R. bonds, 

Kansas City & Pacific R.R. bonds, . 

Kanawha & Michigan R.R. bonds, . 

Indianapolis & Vincennes R.R. bonds, 

Brooklyn, X. Y., Elevated R R. bonds, 

Knoxville & Ohio R.R. bonds, . 

Terre Haute & Peoria R R. bonds, 

New Haven & Derby R R. bonds, 

Eureka Springs R.R. bonds, 

Pittsburgh & Western R.R bonds, 



:S, 



HIS, 



Book Value. 

$49,000 00 
10,200 00 
10,150 00 
54,585 73 
33,765 00 
50,000 00 
81,522 20 
60,600 00 
53,102 50 
11,182 50 
10,920 00 
13,250 00 

329,837 45 
25,000 00 
38,000 00 

250,250 00 
48,400 00 
46,500 00 
9,900 00 
99,287 50 
14,500 00 
24,375 00 
48,500 00 
2,110 00 
94,000 00 
27,000 00 
15,000 00 
18,040 00 
76,207 50 

100,500 00 
4,950 00 
65,000 00 
49,000 00 
50,000 00 
32,690 00 
87,750 00 
29,000 00 
50,000 00 
53,625 00 
18,590 00 
19,375 00 
17,027 50 
28,645 00 
50,880 00 
20,400 00 
98,282 50 
25,000 00 
44,860 00 



Market Value. 

$52,000 00 
10,200 00 
10,450 00 
58,880 00 
33,600 00 
51,500 00 
83,220 00 
61,200 00 
56,100 00 
11,340 00 
11,300 00 
14,000 00 

362,821 19 
25,000 00 
40,000 00 

247,500 00 
48,875 00 
47,000 00 
10,000 00 

111,000 00 

7,250 00 

24,000 00 

50,000 00 

2,110 00 

101,000 00 

27,750 00 

6,000 00 

19,745 00 

85,500 00 

118,875 00 
10,700 00 
71,000 00 
53,750 00 
50,000 00 
28,910 00 
75,600 00 
26,250 00 
17,500 00 
55,250 00 
16,750 00 
19,375 00 
16,660 00 
20,500 00 
58,500 00 
14,000 00 
95,220 00 
13,000 00 
44,06S 75 



tup: union central life insurance company. 



201 



Rio Grande Junction R.R bonds, 

Philadelphia & Reading R R. bonds, 

Port Reading R.R. bonds, .... 

Texas & Pacific R.R. bonds, 

Duluth, South Shore & Atlantic R R. bonds, 

Chicago & Western Indiana R.R. bonds, . 

Columbus & Toledo R.R. bonds, 

Connecticut Riv T er R.R. bonds, . 

Bl'k Rocks & Salisbury Beach St. R R. bonds 

North Chicago, 111., St. R.R. bonds, . 

Toledo, Ohio, Electric St. R.R. bonds, . 

Naumkeag, Salem, Mass., St R.R. bonds, 

Amsterdam, N. Y., St R.R. bonds, . 

Kansas City, Mo., Cable R.R. bonds, 

Hartford, Ct., St. R.R. Co. bonds, . 

Con. L & R'y Co. bonds, Huntington, W. Va., 

St. Louis Merchants' Bridge Term. R R. bonds, 

Georgia R.R. & Banking Co. bonds, . 



Book Value. 

$45,000 00 

8,000 00 

51,000 00 

31,150 00 

4,825 00 

116,875 00 
11,750 00 
75,000 00 
22,500 00 
51,750 00 
17,125 00 
47,500 00 
47,500 00 
50,000 00 

101,000 00 
98,000 00 
50,450 00 

152,211 25 



Market Value. 

$45,000 00 

8,550 00 

52,500 00 

34,125 00 

5,300 00 

120,000 00 

11,200 00 

75,000 00 

25,000 00 

52,000 00 

20,000 00 

50,000 00 

45,000 00 

50,000 00 

102,000 00 

98,000 00 

51,500 00 

151,500 00 



r ,247,660 71 f7,255,199 01 



"THE UNION CENTRAL LIFE INSURANCE COMPANY," 
CINCINNATI, OHIO. 

[Incorporated 1867. Commenced business 1867.] 
Paid-up Capital, $100,000. 

John M. Pattison, President. E. P. Marshall, Secretary. 



Income. 
Received for premiums on new policies, .... 
Received for renewal premiums, ..... 
Dividends applied to pay running premiums, 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 



Surrender values applied to purchase pa 

annuities, 

Received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Received for interest, 
Received for rents of company's propert 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 

Total, 



d-up insurance and 



$799,136 79 

2,631,113 59 

.79,775 80 

13,102 12 

2,398 30 

102,930 05 
9,002 60 

$3,637,459 25 
63,211 75 

$3,574,247 50 

1,097,771 50 

25,490 55 

$4,697,509 55 
15,854,856 22 

$20,552,365 77 



202 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Premium notes voided by lapse, 

Premium notes used in purchase of surrendered policies, 
Cash dividends paid policy holders, .... 

applied to pay running premiums, 
applied to purchase paid-up additions and an 

nuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 



Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poli 
cies, $373,061.89; renewals, $166,579.03), 

for salaries and allowances to managers and agents 

for medical examiner's fees and inspections, . 

for salaries of officers and home office employees, 

for taxes on premiums, . . . 

for taxes on investments, $1,129.76; on reserves 
$1,218.76, 

for taxes on real estate, 

for fees, licenses, etc., 

for rent, 

for commuting commissions, .... 

for advertising, printing and postage, 

for legal expenses, 

for furniture and office fixtures, 

for real estate expenses (except taxes),. 

for loss on sales of property, .... 

for incidentals, 

Profit and loss account, 



Total disbursements, 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on company's policies assigned as collateral, 



$808,677 68 
141,058 29 

$952,735 97 
30,000 00 

$922,735 97 

2,297 93 

190,205 25 

497 83 

78,190 25 

79,775 80 

13,102 12 

100,975 50 

2,398 30 

102,930 05 

$1,493,109 00 
10,000 00 

539,640 92 
58,557 76 
53,995 50 
97,506 66 
43,981 18 

2,348 52 
13,756 89 

9,012 01 
35,220 48 

8,472 86 
37,006 44 
17,682 29 

2,966 38 

14,002 35 

11,691 56 

55,680 72 

116,462 12 

$2,621,093 64 

$17,931,272 13 



$627,646 07 

13,455,354 49 

1,998,996 39 



THE UNION CENTRAL LIFE INSURANCE COMPANY. 



203 



Premium notes or loans on policies in force, 

Cost value of United States bonds owned, 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' debit balances, 

Furniture, . 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of real estate over cost, 

Market value of United States bonds over cost, 



$916,650 67 
371,734 37 
9,853 02 
287,084 94 
143,882 48 
105,069 70 
15,000 00 

$17,931,272 13 



526,529 65 
3,001 39 
2,533 91 

2,296 38 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, 

Total, 

Deduct loading (20 per cent.),. 

Net amount of uncollected and 
deferred premiums, 



New Business. 

$209,531 85 

17,930 60 

$227,462 45 
45,492 49 



Renewals. 



$64,269 29 

52,585 26 

$116,854 55 
23,370 91 



$181,969 96 $93,483 64 



Total assets, per company's books, . 

Items not admitted. 

Office furniture, etc , 
Agents' debit balances, 
Bills receivable, .... 
Total, 



275,453 60 
$18,741,087 06 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$15,000 00 
105,069 70 
143,882 48 



263,952 18 

$18,477,134 88 
11,312 00 

$18,465,822 88 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $15,866,395 00 
Deduct net value of reinsured risks, 43,727 00 



Net reserve, .... 
Commissions due on premium notes, 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 

Total policy claims, . 



$15,822,668 00 
115,933 19 



$100 00 

8,080 00 

68,874 53 



77,051 53 



204 THE UNION CENTRAL LIFE INSURANCE COMPANY. 

Unpaid dividends of surplus due policy holders, . . . $6,707 69 
Premiums paid in advance, 71,305 99 

Liabilities as to policy holders 116,093,759 40 

Deduct liabilities on special deposits, 11,312 00 

$16,082,447 10 
Surplus as regards policy holders, . . . $2,383,375 48 

Paid-up capital, 100,000 00 

Surplus over capital, 2,283,375 48 

Gross liabilities, $18,465,822 88 

Premium Mote Account. 
Premium notes on hand Dec. 31, 1896, . . $855,063 86 
Premium notes received during 1897 (new poli- 
cies, $351,862.65 ; old policies, $1,205,347.24), 1,557,209 89 



Total, $2,412,273 75 

Used in payment of losses and claims, . . $8,747 35 

Used in purchase of surrendered policies, . 497 83 

Voided by lapse, . . . . . 190,205 25 

Used in payment of dividends to policy holders, 4,136 39 

Redeemed by maker in cash, .... 1,292,036 26 

Total 1,495,623 08 



Balance note assets Dec. 31, 1897, . . . . . $916,650 67 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 46,990 $82,599,548 00 

Endowment, . . . 4,507 7,805,085 00 

All other 1,458 3,387,400 00 

Reversionary additions, . - 106,182 00 

52,955 $93,898,215 00 

Policies issued during the Year. 

Whole life, . . . 13,550 $30,988,464 00 
Endowment, ... 830 1,627,446 00 
All other, .... 866 2,242,400 00 



15,246 34,858,310 00 



Old Policies revived. 

Whole life, ... 501 $917,45000 

Endowment, ... 39 64,300 00 

All other, .... 17 52,000 00 



557 1,033,750 00 

Whole life policies increased, - 7,000 00 

Additions by dividends, - 28,264 00 

Total, 68,758 $129,825,539 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



205 



Policies terminated during the Year. 







Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 


. 8,836 


$20,380,217 00 




Endowment, 


. 


647 


1,414,890 00 




All other, . 




695 


1,513,088 00 






10,178 


$23,308,195 00 








Eow terminated. 




By death, . 


. 


388 


$795,618 00 




maturity, 


. 


. , 110 


208,950 00 




expiry, 


. 


190 


325,000 00 




surrender, 


. , 


430 


1,064,708 00 




lapse, . 


. 


. 5,902 


11,370,933 00 




change an 


d decrease, 


319 


1,730,392 00 




Not taken, . 


• # 


. 2,839 


7,812,594 00 

10 17S 


$23,308,195 00 










Policies in Force Dec. 31, 1897. 




Whole life, 


. , 


. 52,205 


$94,132,245 00 




Endowment, 


. 


. 4,729 


8,081,941 00 




All other, . 


. 


. 1,646 


4,176,800 00 




Reversionary 


additions, 


- 


126,358 00 

n9 ^RO 


106,517,344 00 









"UNION MUTUAL LIFE INSURANCE COMPANY," PORTLAND, ME. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

Fred E. Richards, President. J. Frank Lang, Secretary. 



Income. 
Received for premiums on new policies, . 
Received for renewal premiums, 
Dividends applied to pay running premiums, . 
Dividends applied to purchase paid-up additions and annuities 
Surrender values applied to pay running premiums, 
Surrender values applied to purchase paid-up insurance and 
annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 

Received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for reinsurance, .... 



$223,008 18 

894,843 98 

10,333 55 

20,678 87 

5,566 96 

29,908 41 

$1,184,339 95 
1,374 80 

$1,182,965 15 

296,168 99 

411 80 

21,793 65 

3,788 28 



206 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Premium notes or loans restored, 
Profit on securities sold, . 

Total income, 
Net or ledger assets Dec. 31, 1896, 

Total, 



Disbursements 
Paid for losses and additions, . 

for matured endowments and additions, 
on matured instalment policies, 



Gross amount paid for losses and endowments, 

Paid to annuitants, 

Premium notes voided by lapse, 

Loans on policies voided by lapse, 

Cash dividends paid policy holders, .... 
applied to pay running premiums, 
applied to purchase paid-up additions and 

annuities, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 



Total paid policy holders, . 

Cash paid for commissions and bonuses to agents (new poli- 
cies, $127,755.30 ; renewals, $49,624.86), . 
for salaries and allowances to managers and agents 
for medical examiner's fees, .... 
for salaries of officers and home office employees, 
for taxes on new premiums, $3,739.90 ; on re- 
newals, $8,888.82, 
for taxes on reserves, 
for taxes on real estate, 
for fees, licenses, etc., 
for rent, . 

for commuting commissions, . 
for advertising, printing and postage, 
for legal expenses, .... 
for furniture and office fixtures, 
for real estate expenses (except taxes), 
for incidentals, .... 

Profit and loss account, 

On account bonds purchased, .... 



Total disbursements, 
Balance, 



$179 00 
24,290 57 

$1,529,597 44 
6,702,436 93 

$8,232,034 37 



$543,937 89 

153,160 22 

730 00 

$697,828 11 

488 33 

6,380 00 

13,731 48 

5,839 44 

10,333 55 

20,678 87 

46,628 97 

5,566 96 

29,908 41 
$837,384 12 

177,380 16 
97,986 09 
26,562 38 
59,927 13 

12,628 72 
2,870 23 

10,115 88 
9,583 94 

17,673 75 
3,643 06 

28,174 72 
7,736 83 
1,307 73 

12,360 40 

13,143 81 
3,164 07 

50,000 00 

$1,371,643 02 
$6,860,391 35 



UNION MUTUAL LIFE INSURANCE COMPANY. 



207 



Invested in the following: — 

Assets as per Ledger Accounts 

Book value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, . 
deposited in bank, . 
in transit (since received), 

Bills receivable, 

Agents debit balances. 

Cash notes taken for premiums, 

Total net or ledger assets, as per balance, 



$813,536 83 

1,399,200 98 

716,652 73 

10,325 00 

176,839 00 

3,639,300 53 

326 85 

35,408 56 

7,729 64 

17,629 13 

7,566 81 

29,875 29 



1,860,391 35 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over book, . 

New Business. 

Uncollected premiums on poli- 
cies in force, .... $51,501 42 

Deferred premiums on policies 
in force, 26,001 89 



Renewals. 

$80,653 66 
72,645 60 



Total, $77,503 31 $153,299 26 

Deduct loading (20 per cent.), . 15,500 66 30,659 86 



Net amount of uncollected and 
deferred premiums, 



$62,002 65 $122,639 40 



71,803 28 

2,138 61 

116,654 86 



184,642 05 



Total assets, per company's books, . 



. $7,235,630 15 



Items not admitted. 

Agents' debit balances, $7,566 81 

Bills receivable, 17,629 13 

Loans in excess of market value, . . . 2,250 00 

Total, 



27,445 94 



Total admitted assets, 
Deduct special deposits in other States, . 



. $7,208,184 21 
631,442 89 



Balance, $6,576,741 32 



208 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, 

Present value of unpaid instalments, 
Premium obligations in excess of net values n 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy holdc 
Premiums paid in advance, 

Contingent reserve, 

Bills payable, 



Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy holders, . 
Gross liabilities 



f their policies, 
$13,071 79 
87,553 11 
5,000 00 



rs, 



$6,543,160 00 
3,413 00 

$6,539,747 00 

9,123 07 

186 00 



105,624 90 

3,179 82 

1,512 27 

52 00 

1,000 00 

$6,660,425 06 
631,442 89 

$6,028,982 17 
547,759 15 

$6,576,741 32 



Premium Note Account. 
Premium notes on hand Dec. 31, 1896, . . $197,654 00 
ree'd during 1897 (old policies), 6,685 00 

restored by revival of policies, 179 00 

Total, ?204,518 00 

Used in payment of losses and claims, . . $11,846 00 
Used in purchase of surrendered policies, . 3,820 00 

Voided by lapse, ...... 6,380 00 

Used in payment of dividends to policy holders, 4,067 00 

Redeemed by maker in cash 1,566 00 

Total, 27,679 00 

Balance note assets Dec. 31, 1897, $176,839 00 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1896. 

Number. Amount. Total No. 

$22,290,016 00 

10,067,290 00 

5,494,286 00 

235,257 00 



Whole life, . 


. 13,641 


Endowment, 


.' 5,933 


All other, . 


. 2,865 


Reversionary additions, 


- 



Total Amount 



22,439 ?38,086,849 00 



UNION MUTUAL LIFE INSURANCE COMrANY. 



209 



Whole life, . 
Endowment, 
All other, . 



Policies issued during the Year. 



Number. 


Amount. Total No. 


Total Amount. 


4,758 


$6,510,323 00 




961 


1,238,578 00 




201 


377,000 00 






6,920 


$8,125,901 00 



Whole life, . 
Endowment, 
All other, . 



Old Policies revived. 
46 $70,500 00 

3 4,000 00 

1 5,000 00 



50 



79,500 00 



Whole life, . 
Endowment, 
All other, . 



Old Policies transferred and increased. 



Additions by dividends, 



24 

42 

473 



$39,000 00 

33,792 00 

813,680 00 



539 



886,472 00 
94,098 00 



Total, 28,948 $47,272,820 00 



Policies terminated during the Year. 



Whole life, 
Endowment, 
All other, . 



3,169 
786 
4^4 



$5,107,424 00 
1,169,759 00 
1,052,262 00 





4,449 


$7,329,445 00 




How terminated. 


By death, . 


304 


$609,027 00 


maturity, 


139 


155,817 00 


expiry, . 


382 


744,060 00 


surrender, . 


207 


479,661 00 


lapse, . 


2,083 


2,948,742 00 


change and decrease, 


539 


1,044,517 00 


Not taken, . 


795 


1,347,621 00 



4,449 7,329,445 00 



Policies in Force Dec. 31, 1897. 



Whole life, . . . 15,300 
Endowment, . . . 6,153 
Allother, .... 3,046 
Reversionary additions and ' 
return premiums, . 



$23,802,415 00 

10,173,901 00 

5,457,058 00 

510,001 00 



24,499 39,943,375 00 



210 



UNION MUTUAL LIFE INSURANCE COMPANY. 



Schedule A. 
Securities held as Collateral. 

Market Value. 

24 shares Central Wharf, Portland, Me., . $24,000 00 

355 " Portland Water Co., . . . 35,500 00 

5 " First National B% Wiscasset, Me., 375 00 

70 " Flint & Pere Marquette R.R. . . 3,150 00 

Maine Central R.R. bonds, .... 2,000 00 

Northern Pacific R.R. bonds, .... 1,200 00 

Beloit Water Works Co. bonds, . . . 1,000 00 

9 shares Central Wharf, Portland, Me., . . 9,000 00 

Maine Central R.R. bonds, .... 1,000 00 

125 shares Camden & Rockland Water Co., . 12,500 00 

63 " Camden & Rockland Water Co., . 6,300 00 

3 " American Bell Telephone Co , . 789 00 

18 " N. Y., N. H. & Hartford R R., . 3,330 00 

Grand Ave. R.R., Kansas City, Mo., bonds, . 2,000 00 

Lime Rock R.R., Rockland, Me., bonds, . . 13,000 00 

5 shares Portland R.R., .... 750 00 

50 " Portland & Rochester R.R., . . 6,250 00 

80 " Portland, Me., W r ater Co., . . 8,000 00 

110 " NatH Shoe & Leather B'k, Auburn, 11,000 00 

Mortgage, 20,000 00 

52 shares Portland, Me., Water Co., . . 5,200 00 

90 " Portland R.R., 13,500 00 

St. Joseph Water Co. bonds, .... 3,000 00 

Portland city bonds, 3,300 00 

Rumford Falls Power Co. bonds, . . . 15,750 00 

Fort Smith, Ark., Water Co. bonds, . . . 12,500 00 

Kalispell Water Co. bonds, .... 3,000 00 

Mt. Vernon Water Co , N. Y., bonds, . . 1,000 00 

Springfield, Ohio, R.R. bonds 4,000 00 

20 shares Portland Trust Co., .... 2,300 00 

Greenbush, N. Y , Water Co bonds, . . 1,000 00 

220 shares Intern^ L. & T. Co., Kan City, Mo., 8,800 00 

Fort Smith, Ark., Water Co. bonds, . . . 5,000 00 

Maine Central R.R. bonds, .... 27,000 00 

Crystal Water Co., Edgevvater, N. Y., bonds, . 1,500 00 

12 shares Portland R.R., 1,800 00 

Maine & New Hampshire Granite Co. bonds, . 9,500 00 

Maine & New Hampshire Granite Co. bonds, . 5,500 00 

100 shares State Publishing Association, . . 10,000 00 

135 " Sanford Mills, 13,500 00 

100 " Maine Trust & Banking Co., . . 13,000 00 

Fort Smith, Ark., Water Co. bonds, . . . 1,000 00 

300 shares Lime Rock R.R , .... 30,000 00 

30 " Aroostook Trust & Banking Co., . 4,200 00 

Bangor & Aroostook R.R. bonds, . . . 10,100 00 



! 



Loaned Thereon. 

? 12,000 00 

24,000 00 

495 00 

4,300 00 

4,000 00 

4,200 00 

1,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

200 00 

5,000 00 

5,000 00 

9,000 00 

14,275 73 
5,000 00 
9,500 00 
2,000 00 
3,000 00 

12,500 00 

14,000 00 

681 17 
3,500 00 
2,000 00 
800 00 
7,000 00 
4,000 00 

13,500 00 
1,000 00 
1,100 00 
8,500 00 
5,000 00 
8,300 00 

10,000 00 

10,000 00 
800 00 

20,000 00 
2,000 00 
9,000 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 



211 



Jefferson ville, Ind., bonds, 
Maine Central R.R. bonds, 
Portland & Ogdensburg R R. bonds, 
300 shares P. H. & J. M. Brown Co , 

20 " Aroostook Trust & Banking Co., 

10 " Fort Fairfield National Bank, 

10 " Presque Isle National Bank, . 

Mortgages, 

400 shares Rockland, Me., B'ld'g Syndicate 
25 " Lime Rock R.R., . 
1,742 " Mer. Ex. B'd'g Co., Kan. C'y, Mo 
112 " Cobb Lime Co., . 
100 " Lime Rock R.R., . 
80 " First National Bank, Bath, Me., 
70 " Bath National Bank, Bath, Me , 
186 " Otis Falls Pulp Co., . 
169 " Hereford R.R. , . 
Citizens' St. R'y Co., Indianapolis, bonds, 
20 shares A. F. Crockett Co., . 
Cert, of Dep., Chapman N'l B'k, Portland, Me 
Central of Georgia R.R. bonds, 

10 shares Fort Fairfield National Bank, 
522 " Portland & Rumford Falls R.R., 
475 " Portland & Rumford Falls RR., 
150 " Lime Rock R.R , 

44 " Camden & Rockland Water Co., 
8 " Aroostook Trust & Banking Co., 
Maine Central R.R. bonds, 
City Water Co., Sheboygan, Wis., bonds 
United States bonds, 
Notes & Trust Deed, Chicago, . 
Springfield Water Works bonds, 
Springfield Water Works bonds, 

5 shares Westbrook Trust Co., 

8 " First National Bank, Portland, Me. 
85 " York Co. National Bank, . 
Edison Elec. Ilium. Co., Baltimore, bonds, 
Leadville, Col , City Treasurer warrants 
Ft. Smith, Ark., Water Co. bonds, . 
80 shares Athol Water Co., 
Mousam Water Co. bonds, 
Berlin, N. H., W T ater Co. bonds, 
99 shares Commercial Union Telegraph Co., 
Kennebec Light & Heat Co. bonds, . 
York Light & Heat Co. bonds, 
Leadville, Col , warrant, . 
Crystal Water Co., Edgewater, N. Y., bonds, 
Ft Smith, Ark., Water Co. bonds, . 



Market Value. 

$1,000 00 

1,350 00 

525 00 

30,000 00 

2,800 00 

1,300 00 

1,350 00 

7,464 48 

40,000 00 

2,500 00 

87,100 00 

5,600 00 

10,000 00 

12,000 00 

10,500 00 

18,600 00 

15,210 00 

11,250 00 

20,000 00 

1,218 42 

915 00 

1,300 00 

52,200 00 

47,500 00 

15,000 00 

4,400 00 

1,120 00 

1,350 00 

1,000 00 

2,570 00 

6,500 00 

5,000 00 

11,000 00 

525 00 

816 00 

10,200 00 

2,100 00 

3,500 00 

500 00 

6,000 00 

12,812 50 

7,140 00 

1,980 00 

206 00 

100 00 

100 00 

8,000 00 

2,000 00 



Loaned Thereon. 

$2,500 00 

15,000 00 

952 08 

2,000 00 

4,600 00 

25,000 00 

2,000 00 

56,368 31 

3,700 00 

5,000 00 

50,000 00 

10,000 00 

15,000 00 

1,000 00 

800 00 

700 00 

25,000 00 

26,760 00 

15,000 00 

750 00 

1,900 00 

1,325 00 

1,600 00 

4,000 00 

9,500 00 

500 00 

300 00 

8,500 00 



! 35,000 00 



} 



350 00 



I 9,000 00 



212 



UNION" MUTUAL LIFE INSURANCE COMPANY. 



Rochester Water Co. bonds, 

Crystal Water Co., Edgewater, X. Y., bonds, 

United Gas & Electric Co. bonds, . 

Akron Street R R., Ohio, bonds, 

Rome, Watertown & Ogdensburg R.R. bonds 

Kennebec Light & Heat Co. bonds, . 

1 ■'■ -hares West End Street Railway, 

Knox Gas & Electric Co. bonds, 

100 shares Boston & Maine R.R , 

Geneva Gas Co. bonds, .... 

Evansville, Ind., bonds, .... 

400 shares Philadelphia & Reading R.R., 

100 " Pullman Palace Car Co., 

100 « N. Y.,X.H. & Hartford R.R., 

Bar Harbor Electric Light Co. bonds, 

Fargus Falls Water Co. bonds, 

United Gas & Electric Co. bonds, 

Ft. Smith Water Co. bonds, 

50 shares Chicago, Burlington & Quincy R.R. 

Central R.R. of N. J. bonds, . 

Maine Water Co. bonds, .... 

100 shares West End Street Railway, 

Indianapolis, Ind., Water Co. bonds, 

50 shares West End Street Railway, 

Rockland, Me., Water Co. bonds, 

100 shares Chicago, Burlington & Quincy R R.. 

United States bonds, 

100 shares Chicago, Burlington & Quincy R.R , 
Springfield Water Works bonds, 



Market Value, 

$1,000 00 
00 
00 
1,000 00 
3,540 00 
515 00 
1,290 00? 
104 00 S 
17,000 00? 

1,000 oo S 

1,050 00^ 
8,800 00 ! 
17,300 00 [ 
18,500 00 J 
6,500 00 
500 00 
4,000 00 ) 
1,000 00 S 
5,000 00 n 
1,140 00 i 
1/ttO ) 
8,600 00 ) 
1,000 00 S 
4,300 00 ) 
540 00 S 
10,000 00 ) 
2,570 00 S 
..»00 00 
..'00 00 



Loaned Thereon. 


$7,000 00 


700 00 


2,550 00 


1,300 00 


16,382 50 



38,342 50 



3,250 00 


450 00 


4,500 00 


3,195 44 


8,400 00 


4,150 00 



9,662 50 

10,012 50 
6,000 00 



$992,465 40 $716,652 73 



Schedule B. 

Stocks and Bonds owned by the Company. 

Book Value. Market Valne. 

1,000 shares Boston & Maine R.R , . . . f 163,498 97 $170,000 00 

Chicago, Burl. & Quincy R.R., . 69,825 00 70,000 00 

N.T Cen.& Hud. River R.R. Co, 69,918 75 71,500 00 

Pennsylvania R.R. Co , . . 22,650 00 23,000 00 

Port., Saco & Portsmouth R.R , . 32,276 96 37,050 00 

West End Street R'y, . . . 26,456 25 25,800 00 

Mech. Falls W. ft E. Lt. ft P. Co , 100 00 100 00 

s Canal Xafl Bank, Portland, . 24,000 00 25,600 00 

Cumberland Nat'l Bank, Portland, 4,636 00 5,124 00 

First Natl Bank, Portland, . . 12.495 00 12,138 00 

Merchants 1 Natl Bank, Portland, 4,176 00 4,140 00 

Nat'l Traders' Bank, Portland, . 6,300 00 6,930 00 

Portland Nat 1 ! Bank, . . . 21,000 00 22,890 00 



700 


u 


650 


M 


400 


M 


247 


M 


300 


H 


1 


share 


200 share 


122 


M 


119 


u 


36 


l( 


63 


II 


210 


M 



UNION MUTUAL LIFE INSURANCE COMPANY. 



213 



Book Value. Market Value. 

2,375 shares Union Safe Dep. & T. Co., Port, $237,500 00 $249,375 00 

20 " Biddeford National Bank, . . 2,400 00 2,400 00 

20 " First National Bank, Auburn, . 2,500 00 2,640 00 

10 " First National Bank, Wiscasset, . 900 00 750 00 

100 " First National Bank, Lewiston, . 15,000 00 15,800 00 

12 " First National Bank, Bangor, . 1,560 00 1,740 00 

50 " First National Bank, Biddeford, . 7,000 00 7,600 00 

60 " Lime Rock Nat'l B'k, Rockland, . 4,200 00 4,320 00 

50 " Manuf. Nat'l Bank, Lewiston, . 5,000 00 5,850 00 

100 " North Nat'l Bank, Rockland, . 13,341 00 14,500 00 

100 " Northern Nat'l Bank, Hallowell, . 12,500 00 11,500 00 

10 " Norway National Bank, Me., . 1,080 00 1,180 00 

40 " People's Nat'l Bank, Waterville, . 4,400 00 4,400 00 

5| " Richmond Natl Bank, ... 560 00 588 00 

50 " Rockland National Bank, . . 7,250 00 7,600 00 

50 " Rumford Falls Trust Co., . . 5,000 00 5,250 00 

35 " Ticonic Nat'l Bank, Waterville, . 3,850 00 3,570 00 

50 " Westbrook Trust Co., . . . 5,000 00 5,350 00 

24 " City Nat'l Bank, Dallas, Tex., . 2,400 00 2,880 00 
50 " Com'l Nat'l B'k, Omaha, Neb , . 3,500 00 3,500 00 
20 " Far. & Mer. N'l B'k, Waco, Tex., 2,400 00 1,600 00 

25 " Flour City N'l B'k, Minn., Minn., 2,500 00 2,500 00 
30 " Nat'l B'k of Com., Omaha, Neb., 2,000 00 2,100 00 
15 T 3 o " People's Invest. Co., Dallas, Tex., 382 50 382 50 
15 " First N'l B'k, Buch Co., Mo., . 1,500 00 1,500 00 
20 " Sioux Falls N'l B'k, S. D., . . 2,000 00 2,000 00 

United States bonds, 259,471 94 285,270 00 

Maine State bonds, 48,718 75 50,000 00 

Commonwealth of Massachusetts bonds, . . 107,28125 110,125 00 

Province of New Brunswick bonds, . . . 100,589 37 100,000 00 

Montreal harbor bonds, 30,432 50 80,000 00 

Province of Ontario annuities, .... 375}608 00 381,217 89 

Cumberland County, Me., bonds, . . . 5,050 00 5,000 00 

Bell County, Tex., bonds, 5,200 00 5,250 00 

Cass County, Mo., bonds, 11,400 00 12,000 00 

Itasca County, Minn., bonds, .... 22,400 00 22,400 00 

Jefferson County, Ala., bonds, . . . . 70,350 00 72,050 00 

McCracken County, Ky., bonds, . . . 32,400 00 33,000 00 

Spokane County, Wash., bonds, . . . 10,650 00 10,700 00 

Belfast, Me., bonds, 5,137 50 5,000 00 

Caribou, Me., School District notes, . . . 6,000 00 6,000 00 

Caswell Plantation, Me., notes, . . . 1,000 00 1,000 00 

Damariscotta, Me., bonds, .... 2,000 00 2,000 00 

Americus, Ga., bonds, 10,900 00 11,800 00 

Astoria, Ore., bonds, 36,225 00 35,700 00 

Boone, Iowa, bonds, 10,300 00 10,300 00 

Chicago, 111., bonds, 104,981 25 109,243 75 

Cheboygan, Mich., bonds, .... 18,846 00 18,900 00 



214 



UNION MUTUAL LIFE INSURANCE COM PANT. 



Delaware, Ohio, bonds, 

Eufaula, Ala., bonds, 

Gorham, N. H., School District notes, 

Helena, Mont., bonds, 

Morris, 111., bonds, . 

Perth Amboy, N. J , bonds, 

Piqua, Ohio, bonds, . 

Piano, Tex , bonds, . 

Provo City, Utah, bonds, . 

Pueblo, Col., bonds, . 

Richmond, Va., bonds, 

Seattle, Wash , Water Works & Sewer bonds 

St. Louis City, Mo., bonds, 

Shelburne, N. H., note, 

West Duluth, Minn , bonds, 

Boston & Maine R.R. bonds, 

Knox & Lincoln R'y bonds, 

Lime Rock R.R., Rockland, Me., bonds, 

Maine Central R.R. bonds, 

Portland & Ogdensburg R'y bonds, 

Portland & Rumford Falls R'y bonds, 

Penobscot Shore Line R.R. bonds, . 

Rockland, Thomaston & Camd. St. R'y bonds 

Central of Georgia R'y bonds, . 

Concord & Montreal R.R. bonds, 

Erie R.R. bonds, 

Hereford R'y bonds, . 

Joliet, 111., R'y bonds, 

Kanawha & Michigan R'y bonds, 

Kansas & Missouri R.R. bonds, 

Lake Shore & Michigan Southern R'y bonds, 

Lehigh Valley R.R. bonds, 

Saratoga, N. Y., Traction Co. bonds, 

Staten Island Rapid Transit R.R. bonds, . 

Sturgis, Goshen & St. Louis R'y bonds, . 

Union Electric R'y, Dover, N. H., bonds, 

Utica Belt Line Street R'y bonds, . 

Augusta, Me., Water Co. bonds, 

Caribou, Me., Water Co. bonds, 

Freeport, Me., Water Co. bonds, 

Kennebec Light & Heat Co. bonds, . 

Knox, Me., Gas and Electric Co. bonds, . 

Maine Water Co. bonds, .... 

Mousam Water Co. bonds, 

Otis Falls Pulp Co , Me., bonds, 

Portland Elevator Co. bonds, . 

Rockland, Me., Water Co. bonds, . 

Rumford Falls Power Co. bonds, 

Rumford Falls Light & Water Co. bonds, 



Book Value. 

$5,631 25 
26,312 50 

2,500 00 
26,937 50 
20,596 00 
15,225 00 
17,722 50 

2,500 00 
25,000 00 
32,237 50 
10,735 00 
25,068 75 
10,500 00 

4,000 00 
27,875 00 
25,635 13 
16,125 00 
25,000 00 
100,920 96 
52,000 00 
36,400 00 
44,202 50 
19,600 00 
39,445 00 
26,062 50 
23,250 00 

6,930 00 

4,925 00 
20,500 00 

9,500 00 
25,875 00 
49,505 00 
20,000 00 
11,202 20 
17,785 75 
23,750 00 
26,325 00 

9,950 00 
10,200 00 
20,000 00 
18,810 00 
24,000 00 
20,000 00 
10,000 00 
25,000 00 
50,000 00 
34,000 00 
25,000 00 
10,300 00 



Market Value. 

$5,200 00 
26,750 00 

2,500 00 
26,250 00 
20,400 00 
15,300 00 
17,340 00 

2,700 00 
27,500 00 
31,100 00 
11,000 00 
25,750 00 
10,500 00 

4,000 00 
28,750 00 
30,000 00 
16,500 00 
26,750 00 
109,000 00 
54,750 00 
40,000 00 
46,225 00 
20,000 00 
38,430 00 
26,531 25 
23,187 50 

7,000 00 

5,000 00 
19,250 00 

7,000 00 
25,937 50 
50,500 00 
20,000 00 
10,500 00 
18,750 00 
25,000 00 
25,650 00 
10,200 00 
10,200 00 
20,000 00 
19,570 00 
24,960 00 
20,400 00 
10,250 00 
25,750 00 
50,000 00 
36,720 00 
26,250 00 
10,500 00 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 215 



Standish Water & Construction Co. bonds, 
York Shore Water Co. bonds, . 
Athol, Mass., Water Co. bonds, 
Berlin Water Co. bonds, . . . ' . 
Crystal Water Co., Edgewater, N. Y., bonds, 
Detroit Gas Co. bonds, .... 
Ellicott Square Co., Buffalo, N. Y., bonds, 
Edison Elec. Ilium. Co., Baltimore, Md., bonds 
Fort Smith, Ark., Water Co. bonds, 
Goldsboro, N. C, Water Co. bonds, 
Leadville, Colo., Water Co. bonds, . 
Le Mars, Iowa, Water and Light Co bonds, 
Manitowoc, Wis., Water Works Co. bonds, 
Oshkosh, Wis , Water Works Co. bonds, 
Port Jarvis, N. Y., Gas Co. bonds, . 
Raton, N. M., Water Works Co. bonds, . 
Richmond Water & Light Co , Ky , bonds, 
St. Joseph, Mo., Water Co., bonds, . 
United Gas & Electric Co., N. PL, bonds, 
Wakefield, Mass., Water Co. bonds, 



Book Value. 

$21,400 00 
10,000 00 
19,800 00 
25,000 00 
19,600 00 

1,500 00 
52,500 00 
50,000 00 
19,600 CO 
24,500 00 
20,000 00 
24,500 00 
25,062 50 
24,500 00 

4,700 00 
14,700 00 
17,640 00 
16,660 00 
25,000 00 

9,600 00 



Market Value. 

$23,000 00 
10,200 00 
20,500 00 
25,500 00 
20,000 00 
1,350 00 
53,750 00 
52,500 00 
20,000 00 
25,000 00 
20,000 00 
25,625 00 
25,625 00 
25,000 00 
5,000 00 
15,000 00 
18,000 00 
17,000 00 
25,000 00 
10,000 00 



$3,639,300 53 $3,755,955 39 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 
Paid-up Capital, $440,000. 
George H. Burford, President. C. P. Fraleigh, Secretary, 

Income. 

Received for premiums on new policies, $207,339 45 

Received for renewal premiums, 841,988 29 

Surrender values applied to pay running premiums, . . 285 50 
Surrender values applied to purchase paid-up insurance and 

annuities, 77,314 27 

Received for annuities, 2,334 00 

Total, $1,129,261 51 

Deduct amount paid for reinsurance, 3,414 09 

Total premium income, $1,125,847 42 

Received for interest, 331,168 96 

Received for rents of company's property, .... 12,800 34 
Profit on securities sold, 59 1 

Total income, $1,469,875 73 

Net or ledger assets Dec. 31, 1896, 7,096,110 35 

Total, $8,565,986 08 



216 UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 



Disbursements. 

Paid for losses and additions, 

Paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Paid to annuitants, 

Loans on policies voided by lapse, .... 
Cash dividends paid policy holders, 

Surrender values paid in cash, 

applied to pay running premiums, 
applied to purchase paid-up insurance and 
annuities, 

Total paid policy holders, 

Cash paid for dividends to stockholders, .... 

for commissions and bonuses to agents (new poll 
cies, $86,625.24 ; renewals, $ 63,653.31), 

for salaries and allowances to managers and agents 

for medical examiner's fees, .... 

for salaries of officers and home office employees, 

for taxes on new premiums, $1,052.82 ; on renew- 
als, $5,744.25, 

for taxes on investments, $181.41; on reserves, 
$1,312.63 

for taxes on real estate, . 

for fees, licenses, etc., 

for rent, 

for advertising, printing, postage, etc., 

for legal expenses, .... 

for real estate expenses (except taxes), 

for loss on sales of property, . 

for incidentals, .... 
Profit and loss account, 



Total disbursements, 
Balance, 



$545,803 67 
98,250 49 



$644,054 16 
7,000 00 



$637,054 16 

3,307 89 

20,138 15 

70,296 59 

92,482 24 

285 50 

77,314 27 



$900,878 80 
30,800 00 

150,278 55 
75,811 47 
16,858 00 
60,835 03 

6,797 07 

1,494 04 

6,193 21 

6,544 16 

24,682 24 

84,052 21 

8,707 32 

11,022 66 

3,332 33 

19,105 26 

13,342 76 



$1,370,735 11 



$7,195,250 97 



Invested in the following : — 

Assets as per Ledger Accounts. 

Book value of real estate, 8435,872 28 

Loans on mortgage of real estate (first liens), . . • . 4,654,808 80 

on collateral security (schedule A), . . . 9,345 58 

on company's policies assigned as collateral, . . 373,966 30 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 217 



Premium notes or loans on policies in force, 
Book value of bonds owned (schedule B), 
Cash in company's office, .... 
Cash deposited in bank, .... 

Bills receivable, 

Agents 1 debit balances (secured), . 

Total net or ledger assets, as per balance, 



$30,890 29 

1,603,409 81 

1,150 51 

59,890 73 

4,390 00 

21,526 67 



$7,195,250 97 



Other Assets. 

Interest due and accrued, 

Market value of real estate overbook, . 
Market value of bonds over book, . 



Uncollected premiums on poli- 
cies in force, .... 

Deferred premiums on policies 
in force, ..... 

Total 

Deduct loading (20 per cent.), . 

Net amount of uncollected and 
deferred premiums, 



New Business. Renewals. 

$37,364 64 $99,866 62 
18 50 82,213 17 



$37,383 14 $182,079 79 
7,476 63 36,415 96 



$29,906 51 $145,663 83 



86,252 14 
52,327 72 
98,991 52 



175,570 34 



Total assets, per company's books, . 



. $7,608,392 69 



Items not admitted. 



Bills receivable, 



Total admitted assets, 
Deduct special deposits in other States, . 



4,390 00 



. $7,604,002 69 
160,900 00 



Balance, $7,443,102 69 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reserve, .... 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 



$6,850,084 00 
46,661 00 



$2,127 00 
55,858 33 
28,000 00 



1,803,423 00 



85,985 33 
3,833 94 



218 UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 

Due for taxes, fees, salaries, expenses, etc., .... $4,254 29 
Contingent surrender value, 3,430 50 

Liabilities as to policy holders, $6,900,927 06 

Deduct liabilities on special deposits, 160,900 00 

$6,740,027 06 
Surplus as regards policy holders, . . . £703,075 63 

Paid-up capital 440,000 00 

Surplus over capital, 263,075 63 

Gross liabilities, $7,443,102 69 

Premium Note Account. 

Premium notes on hand Dec. 31, 1896, . . $13,095 71 
Premium notes received during 1897 (new poli- 
cies, $9,132 ; old policies, $23,865.29), . . 32,997 29 

Total, $46,093 00 

Redeemed by maker in cash, 15,202 71 

Balance note assets Dec. 31, 1897, $30,890 29 



Exhibit of Policies. 



Policies and Additions in Force Dec. 31, 1896. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

10,851 $21,009,638 00 

1,693 3,087,195 00 

4,971 13,491,798 00 
205,144 00 
17,515 $37,793,775 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Tear. 

. 1,771 $3,602,785 00 
299 652,635 00 

764 2,300,850 00 



2,834 6,556,270 00 



Old Policies revived. 



Whole life, 


26 


$56,500 00 






Endowment, 


4 


5,500 00 






All other, . 


161 


440,000 00 


191 


502,000 00 



UNITED STATES LIFE INS. CO. IN THE CITY OF NEW YORK. 219 



Old Policies increased. 



Whole life, 
Endowment, 
All other, . 



Number. 

13 

7 
11 



Amount. Total No. 

$65,700 00 

15,000 00 

43,500 00 
31 



Total Amount. 



$124,200 00 



Total, 20,571 $44,976,245 00 



Policies terminated during the Year. 

Whole life, . . . 1,426 $3,139,655 00 
Endowment, ... 276 589,090 00 

All other, .... 1,133 3,249,147 00 



2,835 $6,977,892 00 



How terminated. 



By death, . 


286 


$555,879 00 


maturity, 


47 


99,694 00 


expiry, 


169 


554,900 00 


surrender, . ' 


250 


626,574 00 


lapse, . 


. 1,598 


3,794,495 00 


change and decrea 


se, . 29 


271,300 00 


Not taken, . 


456 


1,075,050 00 



2,835 6,977,892 00 



Whole life, 


. 11,235 


Endowment, 


. 1,727 


All other, . 


. 4,774 


Reversionary additions, 


- 



Policies in Force Dec. 31, 1897. 

$21,594,968 00 

3,171,240 00 

13,041,898 00 

190,247 00 



17,736 37,998,353 00 



Schedule A. 
Securities held as Collateral. 

Market Value. Loaned Thereon. 

40 shares American Tel. & Cable Co., . . $3,600 00 $145 58 

16 " United N. J. R.R. & Canal Co., . 4,000 00 2,700 00 

20 " Importers' and Traders 1 Nat'l Bank, . 10,730 00 4,000 00 

Wabash R.R. bonds, 3,225 00 2,500 60 



$21,555 00 



1,345 58 



220 THE WASHINGTON LIFE INSURANCE CO., NEW YOItK. 



Schedule B. 
Bonds owned by the Company, 



United States bonds, .... 

District of Columbia bonds, 

Jersey City bonds, .... 

Jersey City water scrip, . 

N. Y., Lack. & Western Railway bonds, 

Oswego & Syracuse R.R. bonds, 

Chicago & Northwestern Railway bonds, 

Chicago, Milwaukee & St Paul R'y bonds, 

Missouri Pacific Railway bonds, 

Iowa Central Railway bonds, . . 

St. Louis, Iron Mountain & Southern R'y b'ds 

Chicago, Burlington & Quincy Railway bonds 

New York Central Railway bonds, . 

Louisville & Nashville R.R. bonds, . 

Kansas Pacific Railway bonds, . 

Burl., Cedar Rapids & Northern R'y bonds, 

Chicago, Rock Island & Pacific Railway b'ds, 

Metropolitan Elevated Railway bonds, . 

East Tenn., Virginia & Ga. Railway bonds, 

Atchison, Topeka & Santa Fe Railway bonds, 

Province of New Brunswick bonds, 

Texas & Pacific Railway bonds, 

Michigan Central R.R. bonds, . 

City of Quebec bonds, .... 



Book Value. 

$60,602 55 

131,384 40 
46,650 60 

109,342 50 
47,801 98 
30,600 00 
98,108 33 

151,885 06 

212,496 75 
71,550 00 
35,732 88 
46,195 21 

123,124 08 
38,430 00 

101,685 20 
42,000 00 

104,750 00 
14,933 31 
24,518 41 
20,471 79 
20,025 00 
17,559 26 
28,562 50 
25,000 00 



Market Value. 

156,250 00 

137,400 00 

51,600 00 

114,120 00 

55,880 16 

35,300 10 

108,405 00 

175,750 00 

197,834 00 

88,274 70 

43,375 00 

52,583 50 

128,424 12 

48,720 00 

83,500 00 

52,750 00 

105,000 00 

16,520 00 

27,291 75 

23,525 00 

21,200 00 

24,270 75 

28,427 25 

26,000 00 



$1,603,409 81 $1,702,401 33 



"THE WASHINGTON LIFE INSURANCE COMPANY," NEW 

YORK, N. Y. 

[Incorporated January, 1860. Commenced business Feb. 2, I860.] 

Paid-up Capital, $125,000. 

W. A. Brewer, Jr., President. • Graham H. Brewer, Secretary. 

Income. 

Received for premiums on new policies, $197,194 21 

Received for renewal premiums, 1,493,170 20 

Dividends applied to pay running premiums, .... 80,221 22 

Dividends applied to purchase paid-up additions and annuities, 101,508 00 
Surrender values applied to purchase paid-up insurance and 

annuities 114,032 61 

Received for annuities, 17,796 45 

Total premium income, 12,003,922 69 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 221 

Received for interest, $684,452 71 

as discount on claims paid in advance, . . . 3,496 53 

for rents of company's property, .... 20,688 62 

Profit on securities sold, 1,600 57 

Total income, $2,714,161 12 

Net or ledger assets Dec. 31, 1896, 13,522,883 20 

Total, $16,237,044 32 

Disbursements. 

Paid for losses and additions, $760,918 48 

Paid for matured endowments and additions, .... 332,717 88 

Gross amount paid for losses and endowments, . . $1,093,636 36 

Paid to annuitants 18,269 21 

Return premiums, 3,960 77 

Cash dividends applied to pay running premiums, . . . 80,221 22 
Cash dividends applied to purchase paid-up additions and 

annuities 101,508 00 

Surrender values paid in cash, 113,243 44 

Surrender values applied to purchase paid-up insurance and 

annuities, 114,032 61 

Total paid policy holders, $1,524,87161 

Cash paid for dividends to stockholders, 8,750 00 

for commissions and bonuses to agents (new poli- 
cies, $102,487.86 ; renewals, $90,717.05), . . 193,204 91 
for salaries and allowances to managers and agents, 155,288 69 

for medical examiner's fees, 28,259 45 

for salaries of officers and home office employees, 97,887 46 

for taxes on premiums, 14,783 09 

for taxes on reserves, 2,754 79 

for fees, licenses, etc., 8,489 76 

for rent, . 10,500 00 

for advertising, printing, postage, etc., . . . 33,030 65 

for loss on sales of property, 7,293 14 

for incidentals, 38,929 49 

Profit and loss account, 44,470 59 

Total disbursements, $2,168,513 63 

Balance, $14,068,530 69 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost of real estate, $2,354,050 22 

Loans on mortgage of real estate (first liens), . . . 8,645,615 38 
Loans on collateral security (schedule A), . . . 246,000 00 



222 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 

Loans on companj-'s policies assigned as collateral, . . $838,503 87 

Cost value of bonds owned (schedule B), .... 1,599,94896 

Cash in company's office, 22,753 74 

Cash deposited in bank, 336,468 77 

Agents' debit balances, 25,189 75 



Total net or ledger assets, as per balance, . . £14,068,530 69 

Other Assets. 

Interest due and accrued, 138,565 22 

Market value of bonds over cost, 49,882 62 

New Business. Renewals. 

Uncollected premiums on poli- 
cies in force, .... $51,835 07 $73,525 14 

Deferred premiums on policies 

in force, 29,145 84 170,770 08 



Total, $80,980 91 $244,295 22 

Deduct loading (20 per cent.), . 16,196 18 48,859 04 



Net amount of uncollected and 

deferred premiums, . . $64,784 73 $195,436 18 



260,220 91 



Total assets, per company's books, .... $14,517,199 44 

Items not admitted. 
Agents' debit balances 25,189 75 



Total admitted assets, $14,492,009 69 

Deduct special deposits in other States, 13,129 08 



Balance, $14,478,880 61 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . , . $13,827,604 00 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 

Total policy claims, .... 
Premiums paid in advance, 
Due for rents, 



Liabilities as to policy holders, . 
Deduct liabilities on special deposits, 



$1,578 00 

7,511 84 

73,454 10 

82,543 94 

10,633 99 
1,750 00 



813,922,531 93 
13,129 08 



$13,909,402 85 



THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 223 



Surplus as regards policy holders, . . . $569,477 76 

Paid-up capital $125,000 00 

Surplus over capital, 444,477 76 



Gross liabilities, . 



$14,478,880 61 



Exhibit of Policies. 
Policies and Additions in Force Dec. 32, 1896. 

Number Amount. Total No. Total Amount. 

Whole life, . . . 16,457 $31,253,049 00 

Endowment, . . . 8,931 16,698,489 00 

Reversionary additions, . - 862,059 00 

25,388 $48,813,597 00 



Whole life, 
Endowment, 



Policies issued during the Tear. 

. 3,628 $6,524,078 00 
735 1,404,217 00 



4,363 7,928,295 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 
Total, . 



Old Policies revived. 

393 $850,662 00 

176 415,234 00 

14,599 00 



569 



1,280,495 00 
134,163 00 



30,320 $58,156,550 00 



Whole life, 
Endowment, 
All other, . 



By death, . 
maturity, 
surrender, 
lapse, . 

Not taken, 



Policies terminated during the Tear. 
. 3,054 $5,693,894 00 



960 


1,914,343 00 


- 


186,078 00 


4,014 


$7,794,315 00 


How terminated. 


343 


$790,324 00 


252 


350,606 00 


780 


1,642,493 00 


2,047 


3,534,608 00 


692 


1,476,284 00 



4,014 7,794,315 00 



Policies in Force Dec. 31, 1897. 
Whole life, . . . 17,424 $32,933,895 00 
Endowment, . . . 8,882 16,603,597 00 
Reversionary additions, . - 824,743 00 



26,306 50,362,235 00 



224 THE WASHINGTON LIFE INSURANCE CO., NEW YORK. 



Schedule A. 

Securities held as Collateral. 



Elizabeth, N. J., bonds, . 
Arverne by the Sea bonds, 
Jamaica, N. Y., School bonds,. . 
Jamaica, N. Y , School District bonds, 
Village of Richmond Hill, N. Y., bonds, . 
Hempstead, N. Y., School District bonds, 
40 shares Yorkville Bank, 
Elizabeth, N. J., bonds, . 



Schedule B. 



Market Value. Loaned Thereon. 



$15,920 00 
29,440 00 
11,760 00 
74,970 00 
41,212 50 
46,777 50. 
8,000 00 
67,660 00 



$45,000 00 



135,000 00 

6,000 00 
60,000 00 



$295,740 00 ' $246,000 00 



Bonds owned by the Company. 



United States bonds, . 

New York city bonds, 

Brooklyn water loan, 

Richmond, Va., bonds, 

Havana municipal bonds, 

Chicago & Northwestern R.R. bonds, 

Oregon Short Line R.R. bonds, 

Wabash bonds, 

Reading bonds, 

N. Y., Ontario & Western R.R. bonds, . 
West Shore R R. bonds, .... 
Pitts., Cinn., Chicago & St. Louis R.R. bonds, 
Missouri, Kansas & Texas R.R. bonds, . 
Town of Jamaica, N. Y , bonds, 
Winona & St. Peter bonds, 
Chicago, St. Louis & Pittsburgh R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, St. Louis & Now Orleans R.R. bonds 
Oregon R.R. & Navigation bonds, . 
Cinn., Ind , St. Louis & Chicago R.R bonds, 
St. Paul, Minn. & Manitoba R.R. bonds, . 
Rome, Watertown & Ogdensburg R.R. bonds, 
Cleveland & Pittsburgh R.R. bonds, 



Cost Value. 

$85,875 00 

225,312 50 

106,098 63 

11,230 00 

1,899 08 

25,312 50 

118,687 50 

53,673 75 

40,»)46 25 

54,565 00 

105,971 25 

49,875 00 

42,312 50 

249,750 00 

6,218 75 

11,862 50 

77,800 00 

90,858 75 

48,800 00 

46,000 00 

20,300 00 

78,962 50 

18,00" 00 

29,937 50 



Market Value. 

$85,875 00 

232,375 00 

121,750 00 

11,230 00 

1,899 08 

26,500 00 

124,750 00 

54,000 00 

42,875 00 

53,562 50 

111,125 00 

50,000 00 

42,875 00 

255,375 00 

6,218 75 

11,862 50 

79,662 50 

92,665 00 

49,200 00 

47,500 00 

20,500 00 

79,550 00 

18,168 75 

30,312 50 



$1,599,948 96 $1,649,831 58 



CASUALTY AND SURETY 
COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1897. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



"JETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[ACCIDENT DEPARTMENT.] 

[Commenced business, accident department, Jan. 1, 1891.] 

Morgan G. BuLkeley, President. Joel L. English, Secretary. 

Note. — As this company is doing both a life and accident business, and its assets are all held 
equally for the protection of both classes of policy holders, the assets are therefore not divided 
for the different departments. The details of both departments are given in their respective 
places. 

Income. 



Premiums on risks written or renewed, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received from all sources, . 

Total income accident department, 
Total income life department, . 



Gross income, . 
Net or ledger assets Dec. 31, 1896, 



Total, 



$604,928 63 
13,953 45 



,975 18 
13,277 91 



$604,253 09 
7,893,298 80 



18,497,551 89 
43,481,046 66 



$51,978,598 55 



$270,745 68 
7,855 35 



Disbursements. 
Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . . 

Cash paid for commissions and brokerage, . . . . 

for salaries and expenses of officers and employees, 

for medical examiner's fees, . 

for taxes and fees, .... 

for rent, 

for legal expenses, .... 

for furniture, advertising and printing, 

for incidentals, .... 



Total disbursements accident department, 
Total disbursements life department, 

Gross disbursements, . 

Balance, 



$262,890 33 

186,941 65 

30,687 48 

2,957 89 

7,760 86 

6,144 86 

721 19 

8,014 78 

13,233 85 



$519,352 89 
6,110,756 05 



^6,630,108 94 
$45,348,489 61 



228 



iETNA LIFE INSURANCE COMPANY. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule *), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule *), 

Cash in company's office, 

Cash deposited in bank, 

Premium notes or loans on policies in force, . 

Bills receivable, 

Agents' debit balances, 



Total 

Deduct agents' credit balances and borrowed money, 

Total net or ledger assets, as per balance, 

Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds over cost, 
Premiums in course of collection, . 



$511,681 00 

24,542,856 65 

441,090 70 

1,289,865 00 

13,074,717 89 

525,856 59 

4,323,483 56 

596,167 70 

18,092 59 

35,732 09 

$45,359,543 77 
11,054 16 



Total assets, per company's books, . 

Items not admitted 
Agents' debit balances, .... 

Bills receivable, • 

Total, 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



Liabilities. 
Claims adjusted or in process, . 
Claims disputed or resisted, 
Unearned premiums on outstanding risks, 

Liabilities accident department, 
Liabilities life department, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Paid-up capital, . . . . 



Surplus over capital, 



$45,348,489 61 

974,355 22 

2,824 49 

878,098 88 

371,953 70 

$47,575,721 90 



$35,732 09 
18,092 59 



53,824 68 

$47,521,897 22 
. 4,308,005 66 



$43,213,891 56 



$26,172 36 

36,965 00 

197,539 64 

$260,677 00 
40,436,416 41 

$40,697,093 41 
4,308,005 66 



36,389,087 75 



. $6,824,803 SI 
. 1,750,000 00 



$5,074,803 81 



* For schedules, see life department, pp. 51 and 52. 



THE JETNA INDEMNITY COMPANY. 



229 



Risks and Premiums. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$79,083,850 00 
228,472,383 00 

$307,556,233 00 
206,373,063 00 

$101,183,170 00 
996,000 00 



Premiums. 

$292,016 54 
604,928 63 

$896,945 17 
512,819 13 

$384,126 04 
3,920 08 



$100,187,170 00 $380,205 96 



Miscellaneous. 

Premiums received from organization of accident department, $1,739,807 00 

Claims paid from organization of accident department, . 694,402 00 

Claims incurred during the year, 306,912 00 



THE .ETNA INDEMNITY COMPANY, HARTFORD, CONN. 

[Incorporated March 15, 1897. Commenced business May, 1897.] 

Paid-up Capital, $250,000. 

Robert A. Griffing, President. E. S. Pegram, Secretary. 



Prem's on risks written or ren'd, 
Prem's now in course of colTn, 

Entire premiums collected, 
Less reinsur. and return prem's, 



Income. 

Fidelity and Surety. 

$5,648 31 
590 00 



$5,058 31 
191 88 



Net cash premiums ree'd, . $4,866 43 



Interest and dividends received from all sources, 

Profit on securities sold, . 

Received from assessments on capital, 



Total income, .... 
Net or ledger assets Dec. 31, 1897, . 



Total, 



Plate Glass. 

$763 30 



10 18 

$753 12 



Disbursements. 
Cash paid for commissions and brokerage, .... 
for salaries and expenses of officers and employees, 

for taxes and fees, 

for rent, 

for legal expenses, 

for furniture and fixtures, 



$5,619 55 

2,177 98 

25 00 

12,500 00 

$20,322 53 
250,000 00 



<?2 


70,322 53 




$913 00 




5,760 70 




896 50 




433 33 




33 15 




1,205 42 



230 



THE ^TNA indemnity company. 



Cash paid for advertising, printing, etc., . 
Cash paid for incidentals, 



Total disbursements, 



$2,554 79 
1,048 70 

$12,845 59 



Balance, $257,476 94 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned, .... 
Cash deposited in bank, 



Total net or ledger assets, as per balance, 

Other Assets. 



Interest due and accrued, .... 
Market value of stocks and bonds over cost, 

Total assets, per company's books, . 

Liabilities. 

Claims known or reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Gross liabilities, except capital, 

Surplus as regards policy holders, 
Paid-up capital, .... 



Surplus over capital, 



310 66 

3,205 43 

750 00 



Risks and Premiums. 

Fidelity and Surety. 

Risks written during 1897, .... $1,011,50900 
Deduct risks expired and terminated, . . 50,100 00 



In force at end of year, 

Plate Glass. 

Risks written during 1897, 

Deduct risks expired and terminated, 



In force at end of year, .... $28,406 00 

Miscellaneous. 

Premiums received from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, ..... 



$230,485 50 
26,991 44 

$257,476 94 



2,204 85 
2,410 75 

$262,092 54 



3,966 09 



$258,126 45 
250,000 00 

$8,126 45 



Premiums. 

$5,648 31 
241 25 



$961,409 00 


$5,407 06 


$28,915 00 


$763 30 


509 00 


10 18 



$753 12 



$5,620 00 

11 00 

84,100 00 



THE AMERICAN BONDING AND TRUST CO. OF BALTIMORE CITY. 231 



Schedule A. 



United States bonds, .... 
Chicago, Mil. & St. Paul R.R. bonds, 
Central R.R. of N. J. bonds, . 
Town of Bristol, Conn., bonds, 
City of Boston bonds, 
Town of Wallingford School bonds, 
State of Massachusetts bonds, . 
City of Hartford, Conn., bonds, 
Town of Huntington, Conn., bonds,. 



Bonds owned by the Company. 

Cost Value. 

$134,056 25 

6,212 50 

5,525 00 

10,800 00 

25,875 00 

9,607 50 

26,843 75 

9,427 50 

2,138 00 



Market Value. 

$135,000 00 

6,250 00 

5,631 25 

10,800 00 

26,750 00 

9,630 00 

27,250 00 

9,445 00 

2,140 00 



$230,485 50 $232,896 25 



"THE AMERICAN BONDING AND TRUST COMPANY OF 
BALTIMORE CITY," BALTIMORE, MD. 

[Incorporated April 6, 1894. Commenced business Jan. 16, 1895.] 

Paid-up Capital, $500,000. 

James Bond, President. Samuel H. Shriver, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1896, . . $17,579 98 
Premiums on risks written or renewed, . . 157,775 07 



Total, 

Premiums now in course of collection, 



$175,355 05 
28,042 62 



Entire premiums collected, . . . $147,312 43 
Less reinsurance and return premiums, . . 6,338 55 

Net cash premiums received, . . . $140,973 88 

Interest and dividends received from all sources, . . . 19,868 11 

Profit on securities sold, 2,851 42 

Received from trust income, commissions, etc., . . . 9,400 65 

Received from all other sources, viz.: collateral deposits, . 8,879 11 

Total income, $181,973 17 

Net or ledger assets Dec. 31, 1896, 569,862 88 



Total, $751,836 05 



Disbursements. 
Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 



$30,122 50 
3,765 30 



$26,357 20 



232 THE AMERICAN BONDING AND TRUST CO. OF BALTIMORE CITY. 

Cash paid for commissions and brokerage, .... $17,571 78 

for salaries and expenses of officers and employees, 46,985 45 

for taxes and fees, 10,685 15 

for rent, 6,999 96 

for legal expenses, 4,097 50 

for advertising and printing, 4,575 96 

for detection and arrests, 1,138 94 

for incidentals, 4,343 86 

Total disbursements, $122,755 80 

Balance, $629,080 25 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 147,559 78 

Cost value of stocks and bonds owned (schedule A), . 565,636 48 

Cash in company's office, 1,459 43 

Cash deposited in bank, 12,260 12 

.Bills receivable, 2,164 44 

Total, 1629,080 25 

Other Assets. 

Interest due and accrued, 4,039 42 

Furniture and fixtures, 6,000 00 

Market value of stocks and bonds over cost, .... 9,41052 

Gross premiums in course of collection, . . . . . 28,042 62 

Total assets, per company's books, $676,572 81 

Items not admitted. 

■ Office furniture, etc., $6,000 00 

Bills receivable, 2,164 44 



Total, 8,164 44 

Total admitted assets, $668,408 37 

3>educt special deposits in other States, 25,000 00 



Balance, $643,408 3 

Liabilities. 

Unearned premiums on outstanding risks, . $73,120 30 

Pi>epaid premiums, 28 36 

Return premiums, ...... 30 04 



THE AMERICAN BONDING AND TRUST CO. OF BALTIMORE CITY. 233 



Commissions and brokerage, . 
Collateral deposits, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy holders, 
Paid-up capital, .... 



$3,287 47 
16,266 60 

$92,732 77 
4,170 74 



$88,562 03 

$554,846 34 
500,000 00 



Surplus over capital, ........ $54,846 34 

Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1896, . . .$22,858,075 98 $86,203 38 
Risks written during 1897, .... 38,136,131 10 157,775 07 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



),994,207 08 $243,978 45 
. 21,406,209 84 97,737 85 



. $39,587,997 24 $146,240 60 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$278,778 00 
37,415 00 
26,357 00 
97,450 00 



Schedule A. 



Bonds owned by the 



City of Baltimore bonds, . 

City of Richmond bonds, . 

Norfolk Co., Va., bonds, . 

City of Cumberland bonds, 

United States bonds, 

City of Dallas, Tex., bonds, 

City of Manchester, Va., bonds, 

City of Snow Hill, Md., bonds, 

Pittsburg U. Traction R.R. Co. bonds, 

Ohio & Mississippi R.R. bonds, 

Randolph Macon College bonds, 



Company. 

Cost Value. 

$280,851 88 

24,606 11 

26,517 12 

9,200 67 

152,152 50 

15,150 00 

2,050 00 

20,108 20 

4,000 00 

11,000 00 

20,000 00 



Market Value. 

$282,397 00 
25,000 00 
26,625 00 

9,090 00 

159,840 00 

15,450 00 

2,060 00 
20,160 00 

4,000 00 
10,425 00 
20,000 00 



$565,636 48 $575,047 00 



234 THE AMERICAN CREDIT INDEMNITY CO. OF NEW YORK. 



"THE AMERICAN CREDIT INDEMNITY COMPANY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated April 28, 1893. Commenced business May 1, 1893.] 
Paid-up Capital, $200,000. 
S. M. Phelan, President. 

Income. 
Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all 
Profit on securities sold, . 
Cash recovered on losses paid, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



E. M. Treat, Secretary. 

$36,135 00 
250,857 00 



$286,992 00 
49,440 00 

$237,552 00 
28,435 83 



sources, 



$209,116 17 

9,337 79 

437 50 

1,937 34 

$220,828 80 
357,141 83 

$577,970 63 



Disbursements. 

Cash paid for claims $85,899 77 

for commissions and brokerage, .... 67,274 14 

for salaries and expenses of officers and employees, 40,291 91 

for taxes and fees, 4,248 57 

for rent, 2,376 50 

for legal expenses, 7,162 04 

for advertising, printing, etc., 4,572 60 

for miscellaneous, 8,841 63 

Total disbursements, $220,667 16 



Balance, $357,303 47 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of United States bonds owned, .... $213,875 00 

Cash in company's office, 1,475 64 

Cash deposited in bank 120,100 70 

Agents 1 debit balances, 7,650 68 

Notes taken for premiums, 14,201 45 



Total, $357,303 47 



THE AMERICAN CREDIT INDEMNITY CO. OF NEW YORK. 235 



Other Assets. 

Interest due and accrued, $1,000 00 

Value of accounts purchased, 17,502 50 

Gross premiums in course of collection, 49,440 00 

Total assets, per company's books, $425,245 97 

Items not admitted. 

Agents' debit balances, $7,650 68 

Premium notes doubtful, 1,703 03 

9,353 71 

Total admitted assets, $415,892 26 

Liabilities. 

Claims adjusted or in process, .... $10,850 00 
Unearned premiums on outstanding risks, , 122,460 28 

State and local taxes, 300 00 

Commissions and brokerage, .... 2,364 81 

Gross liabilities, except capital, . . 135,975 09 

Surplus as regards policy holders, $279,917 17 

Paid-up capital, 200,000 00 

Surplus over capital, f 79,917 17 

Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1896, . . . $6,505,166 00 $225,801 36 
Risks written during 1897, .... 7,132,033 00 250,857 00 

Total, $13,637,199 00 $476,658 36 

Deduct risks expired and terminated, . . 6,796,666 00 231,737 80 

In force at end of year, .... $6,840,533 00 $244,920 56 

Miscellaneous. 

Premiums received from organization of company, . . $858,562 00 

Claims paid from organization of company, .... 212,959 00 

Claims incurred during the year, 85,900 00 

Company's stock owned by directors, 200,000 00 



236 AMERICAN MUTUAL LIABILITY INS. CO. OF BOSTON. 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY OF 

BOSTON. 

[Incorporated March 30, 1887. Commenced bneineea Oct. 1, 1887.] 

William C. Lovering, President. Sydney A. Williams, Secretary. 

Principal Office, 40 Water Street. 

Income. 

Fremiums outstanding Dec. 31, 1896, . . $6,338 38 

Premiums on risks written or renewed, . . 185,353 58 

Total, $191,691 96 

Premiums now in course of collection, . . 2,206 46 

Entire premiums collected, . . . $189,485 50 
Less reinsurance and return premiums, . . 13,008 49 

Net cash premiums received, . . . $176,477 01 

Interest and dividends received from all sources, . . . 6,967 17 

Profit on securities sold, 1,258 75 

Total income $184,702 93 

Not or ledger assets Dec. 31, 1896, 177,877 10 

• — ~ —~ — — — — — • 

Total, $362,580 03 

Disbursements. 

Ca9h paid for matured claims, $59,115 86 

policy holders for profits on terminated policies, . 43,994 91 

for salaries and expenses of officers and employees, 15,675 96 

for medical examiner's fees, 3,875 04 

for taxes and fees, 1,699 24 

for rent, 560 00 

for incidentals, 4,487 18 

Total disbursements, $129,408 19 

Balance, $233,171 84 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . . $211,442 50 

Cash in company's ofiice, 340 75 

Cash deposited in bank, 21,376 09 

Bills receivable, 12 50 

Total, $233,171 84 



AMERICAN MUTUAL LIABILITY INS. CO. OF BOSTON. 



237 



Other Assets. 

Interest due and accrued, . 

Rents due and accrued, 

Market value of bonds over cost, 

Gross premiums in course of collection, 

Total assets, per company's books, 



$2,673 85 


60 00 


7,675 00 


2,206 46 


$245,787 15 



Items not admitted. 



Bills receivable, . . . . • . 
Total admitted assets, 

Liabilities. 

Claims adjusted or in process, . 

known or reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 

Incidentals, 

Gross liabilities, .... 

Surplus as regards policy holders, 



12 50 



. 


$245,774 65 


$2,000 00 




6,000 00 




30,000 00 




87,962 80 




299 50 






126,262 30 





$119,512 35 



Risks and Premiums. 



Contingent 
Premiums. 



Premiums. 

Risks outstanding Dec. 31,1896, $60,013,600 00 $150,611 29 $753,056 45 
Risks written during 1897, . 70,450,800 00 185,353 58 926,767 90 



Total, $130,464,400 00 $335,964 87 $1,679,824 35 

Deduct risks exp 1 d and term'd, 60,782,000 00 160,039 26 800,196 30 



In force at end of year, 



,682,400 00 $175,925 61 $879,628 05 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Profits or surplus returned during the year, 30 per cent. 



. $1,340,188 00 
546,363 00 



Schedule A. 

Bonds owned by the Company. 

Cost Value. 

Old Colony R.R. bonds, $20,837 50 

Boston & Lowell R.R. bonds, .... 20,305 00 

Phila., Wilmington & Baltimore R.R. bonds, . 10,100 00 

State of Massachusetts bonds, .... 130,275 00 

Boston Terminal bonds, 29,925 00 



Market Value. 

$21,900 00 

21,455 00 

10,400 00 

133,112 50 

32,250 00 



$211,442 50 $219,117 50 



238 



AMERICAN SURETY COMPANY OF NEW YORK. 



"AMERICAN SURETY COMPANY OF NEW YORK," NEW 

YORK, N.Y. 

[Incorporated April 14, 1884. Commenced business April 15, 1884.] 
Paid-up Capital, $2,500,000. 



W. L. Trenholm, President. 



Income. 



Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



$1,550,132 31 
153,908 04 

81,396,22-1 27 
265,239 15 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Profit on securities sold, . 
Cash recovered on losses paid, 
Received from all other sources, viz. : borrowed money, 



W. E. Keyes, Secretary. 

Fidelity and Surety. 

$ 146,578 82 
1,403,553 49 



other sources, 



Total income, . 
Net or ledger assets Dec. 31, 1896, . 



Total, 



$833,937 62 
350,811 34 



Disbursements. 
Cash paid for matured claims, 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 

for inspections, 

for taxes and fees, . 

for rent, .... 

for legal expenses, . 

for real estate expenses, . 

for furniture and fixtures, 

for interest, 

for advertising and printing, 

for losses on securities sold, 

for incidentals, 



Total disbursements, 
Balance, 



§1,130,985 12 

750 00 

45,025 13 

243,930 02 

4,350 00 

64,257 07 

155,281 29 

§1,644,578 63 
4,983,017 05 

86,027,595 68 



$483,126 28 

200,000 00 

51,626 57 

363,979 91 

37,476 24 

88,964 61 

77,510 00 

5,977 59 

73,672 89 

1,696 99 

6,222 03 

15,828 61 

7,928 12 

39,210 96 

$1,453,220 80 

§5,174,374 88 



AMERICAN SURETY COMPANY OF NEW YORK. 



239 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Secured judgments against T., St. L. & Kan. City R.R., 



Total, 



$,506,748 04 

15,000 00 

110,953 66 

1,169,401 60 

1,270 08 

47,091 51 

323,909 99 

}5,174,374 88 



Other Assets. 

Interest accrued, 

Rents due and accrued, .... 
Market value of stocks and bonds over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 
Deduct encumbered real estate, 

special deposits in other States, . 

loan in excess of market value, . 



$15,000 00 

143,061 60 

78,831 86 



83,185 83 

23,315 82 

94,861 50 

153,908 04 

$5,529,646 07 



236,893 46 



Balance, . . . . . . . ... . $5,292,752 61 



Liabilities. 
Fidelity claims adjusted or in process, 
Fidelity claims disputed or resisted, 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
Incidentals, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, 
Paid-up capital, .... 



Surplus over capital, . 



$130,077 44 

165,607 86 

624,484 01 

305,'281 29 

22,369 28 

1,247,819 88 
83,584 36 



1,161,235 52 

$4,128,517 09 
2,500,000 00 

$1,628,517 09 



Risks and Premiums. 

Fidelity and Surety. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

$206,451,097 00 $1,196,279 77 
268,699,347 00 1,403,553 49 



$475,150,444 00 $2,599,833 26 
252,017,352 00 1,399,312 23 



$223,133,092 00 $1,200,521 03 



240 



AMERICAN SURETY COMPANY OF NEW YORK. 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$7,817,945 00 

3,063,980 00 

1,300,000 00 

830,644 00 

1,038,900 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

247 shares Bohn Manufacturing Co., St. Paul, $12,350 00 
Lonsdale-Beaumont Water Co. bonds, . . 27,000 00 

100 shares Atlantic City Sewerage Co., . 
Personal bond of $160,000, 



:l 



Amount Loaned. 

$12,350 00 
19,771 80 

78,831 86 



$39,350 00 $110,953 66 



Schedule B. 
Stocks and Bonds owned by the 

300 shares Delaware & Hudson Canal Co., 
393 " Mechanics 1 National Bank, . 

2,570 " The State Trust Co., . 
100 " Lawyers' Mortgage Insur. Co., 
100 " Maryland Trust Co., . 
20 " Philadelphia Bourse, . 

2,565 " Louisv., Henderson & St. L. R.R 

2,000 " New Yqrk City Consolidated, 

United States bonds, 

Missouri, Kansas & Texas R.R. bonds, 

State of Virginia bonds, . 

State of Georgia bonds, . 

State of Tennessee bonds, 

Texas & Pacific R.R. bonds, 

Interior redeemable bonds, 



Company. 

Cost Value. 

$39,937 50 
18,755 00 

406,582 50 

12,500 00 

10,000 CO 

687 50 

26,100 00 

200,375 00 

240,468 75 
27,606 25 
25,030 00 
58,261 25 
25,711 25 
23,725 00 
53,661 60 



Market Value. 

$33,525 00 
18,864 00 

514,000 00 

12,500 00 

13,000 00 

687 50 

26,100 00 

200,375 00 

224,875 00 
30,143 75 
26,362 50 
58,750 00 
27,075 00 
24,242 75 
53,661 60 



$1,169,401 60 $1,264,162 10 



CENTRAL ACCIDENT INSURANCE COMPANY. 



241 



"CENTRAL ACCIDENT INSURANCE COMPANY, 1 ' PITTSBURG, PA. 

[Incorporated Jan. 13, 1895. Commenced business March 30, 1895.] 
Paid-up Capital, $100,000. 

William H. Graham, President. Ralph Butler, Secretary. 



Prem's outst'd'g Dec. 31, 1896, . 
Prem's on risks written or ren'd, 

Total 

Cancelled, 

Balance, .... 
Prem's now in course of coll'n, 

Entire premiums collected, 
Less reinsur. and return prem's, 



Income. 

Accident. 

$19,931 27 
82,119 47 

$102,050 74 
4,500 00 

$97,550 74 
31,577 49 

$65,973 25 
3,269 18 



Plate Glass. 

$343 61 
23,431 97 

123,775 58 
77 83 



$23,697 75 
2,550 08 

$21,147 67 
714 70 



Net cash premiums rec'd, . $62,704 07 $20,432 97 



Interest and dividends received from all sources, . 



183,137 04 
11,147 04 



Total income, $94,284 08 

Net or ledger assets Dec. 31, 1896, 207,945 78 



Total, $302,229 SQ 

Disbursements. 
Cash paid for matured claims (accident), . $12,911 06 



Deduct salvage and reinsurance, . . . 185 71 

Net cash paid for matured accident claims, 

Cash paid for matured plate-glass claims, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and enaploj-ees 

for medical examiner's fees, . 

for taxes and fees, .... 

for rent, 

for legal expenses, .... 

for furniture and fixtures, 

for advertising and printing, . 

for incidentals, .... 

Total disbursements, 

Balance, 



$12,725 35 

2,549 33 

8,000 00 

24,190 80 

26,427 81 

126 50 

2,474 62 

2,137 00 

130 00 

216 40 

3,848 43 

1,783 45 

$84,609 69 

$217,620 17 



242 



CENTRAL ACCIDENT INSURANCE COMPANY. 



Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 

Agents' debit balances, 



Total, 



Other Assets. 

Interest due and accrued, 

Agency supplies, etc., ... 

Office furniture, etc., 

Market value of stocks and bonds over cost, . 
Gross premiums in course of collection, . 

Total assets, per company's books, . 

Items not admitted. 

Office furniture, etc., 

Agents' debit balances, 

Agency supplies, stationery, etc., 



Total, 

Total admitted assets, 

Liabilities. 
Claims adjusted or in process, . 
Claims known or reported, 
Unearned premiums on outstanding risks, 

Return premiums, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital, . 



$600 00 
2,496 48 
1,200 00 



$1,000 00 
2,200 00 

41,471 87 

150 00 

8,659 41 



Risks and Premiums. 
Accident. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$15,994,920 00 
37,111,250 00 

$53,106,170 00 
26,471,420 00 

$26,634,750 00 
887,000 00 



£ 154, 850 00 

44,161 66 

1,524 00 

14,588 03 

2,496 48 

$217,620 17 



3,290 51 

1,200 00 

600 00 

1,108 34 

34,127 57 

$257,946 59 



4,296 48 



$253,650 11 



53,481 28 

$200,168 83 
100,000 00 

$100,168 83 



Premiums. 

$43,378 42 
82,119 47 

$125,497 89 
61,605 96 

$63,891 93 
2,196 84 



$25,747,750 00 $61,695 09 



THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHILA. 243 



Plate Glass. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total • 

Deduct risks expired and terminated, 

In force at end of year, 



$4,977 00 
23,431 97 

$28,408 97 
7,198 90 

$21,210 07 



Miscellaneous. 

Premiums received from organization of company, 

Claims paid from organization of company, . 

Cash dividends declared from organization of company, 

Claims incurred during the- year, 

Company's stock owned by directors, .... 



(143,659 00 

20,978 00 

14,000 00 

18,475 00 

37,500 00 



Schedule A. 
Bonds owned by the Company. 

Cost Value. 

Kelling Coal Co. bonds, $10,000 00 

North End Passenger Railway Co. bonds, . 14,991 66 

Chartier's Township School bonds, . . . 5,050 00 

Homestead & Pittsburg Bridge bonds, . . 10,000 00 

13th Ward School bonds, 2,000 00 

Federal Street & P. V. R.R. bonds, . . . 2,120 00 



Market Value. 

$10,500 00 

15,300 00 

5,050 00 

10,300 00 

2,000 00 

2,120 00 



$44,161 66 $45,270 00 



"THE CITY" TRUST SAFE DEPOSIT AND SURETY COMPANY 
OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated June 4, 1886. Commenced business June 4, 1886.] 
Paid-up Capital, $500,000. 



Charles M. Swain, President. 



James F. Lynd, Secretary. 



Income. 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 



Surety. 

$14,537 79 
238,126 21 



$252,664 00 
22,960 20 



$229,703 80 
24,426 97 



$205,276 83 



244 THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHIL A. 

Interest and dividends received from all sources, . . . $30,000 00 

Cash recovered on losses paid, 3,051 24 

Received from all other sources, 534 12 



Total income, $238,862 19 

Net or ledger assets Dec. 31, 1896, 405,39157 



Total, $644,253 76 

Disbursements. 

Cash paid for matured claims, . . . . $61,626 74 
Deduct salvage and reinsurance, . . . 10,561 80 

Net cash paid for matured claims, . . $51,064 94 

Cash dividends paid,* 29,970 00 

Cash paid for commissions and brokerage, .... 16,674 73 

for salaries and expenses of officers and employees, 47,676 33 

for taxes and fees, 3,350 36 

for legal expenses, 3,842 00 

for advertising and printing, 7,441 83 

for incidentals, 2,855 94 



Total disbursements, $162,876 13 



Balance, $481,377 63 

Invested in the following : — 

Assets as per Ledger Accounts 



Loans on mortgage of real estate, .... 
Cost value of stocks and bonds owned (schedule A), 

Cash deposited in bank, 

Due from trust department for premiums collected, 



$7,319 66 

204,600 00 

90,819 11 

178,638 86 



Total, 1481,377 63 

Other Assets. 

Interest accrued, 2,932 54 

Market value of stocks and bonds over cost, .... 11,406 00 

Gross premiums in course of collection, 22,960 20 



Total assets, per company's books, $518,676 37 

* The capital of this company is $500,000; besides this, the company has on deposit, solely for 
the protection of its surety policy holders, with the Insurance Commissioner for the State of 
Pennsylvania, securities of the market value of $216,006. 

This company is doing in Pennsylvania a safe deposit and trust business as well as a surety 
business, and its assets, except the special deposit above referred to, are held equally liable for 
all its liabilities. 



THE CITY TRUST SAFE DEPOSIT AND SURETY CO. OF PHILA. 245 



Liabilities. 

Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 

Total amount of claims, . 
Less reinsurance, 

Net amount of unpaid claims, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Return premiums and reinsurance, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards surety policy holders, 



,256 16 

146 43 

34 50 



819,437 09 

2,795 60 

$16,641 49 

125,567 39 

60 00 

500 00 

6,361 50 

38 25 



$149,168 63 



$369,507 74 



Risks and Premiums. 

Surety. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



Premiums. 

.$ 53,776,405 22 $219,825 71 
. 59,836,325 44 238,126 21 



$113,612,730 66 $457,951 92 
. 53,281,981 97 185,793 72 



.$60,330,748 69 
. 3,011,764 56 



$272,158 20 
21,023 42 



. $57,318,984 13 $251,134 78 



Miscellaneous. 

Surely. 

Premiums received from organization of company, . . $1,005,809 00 

Claims paid from organization of company, .... 137,117 00 

Cash dividends declared from organization of company, . 150,000 00 

Claims incurred during the year, 49,294 00 

Company's stock owned by directors, 172,800 00 



Schedule A. 

Stocks and Bonds, etc., owned by the Company. 

Cost Value. Market Value. 

City of Pittsburg bonds, $18,600 00 $19,721 00 

City of Erie bonds 13,000 00 13,455 00 

Borough of South Chester bonds, . . . 16,000 00 16,000 00 

City of Williamsport bonds, .... 9,000 00 9,300 00 



246 conveyancers' title insurance company of boston. 



County of Allegheny bonds, 

City of Allegheny bonds, .... 

Borough of South Bethlehem bonds, 

Philadelphia & Erie R.R. bonds, 

Lehigh Coal & Navigation Co. bonds, 

City of Pittsburg bonds, .... 

City of Philadelphia bonds, 

Pittsburg, Cincinnati & St. Louis R.R. bonds, 

Edison Electric Light Co. bonds, 

H. S. Burbank mortgage, 



"alue. 

$28,000 00 

1,000 00 

17,000 00 

7,000 00 

5,000 00 

3,000 00 

57,000 00 

15,000 00 

9,000 00 

6,000 00 



Market Value. 

$29,320 00 

1,035 00 

17,340 00 

8,260 00 

6,600 00 

3,150 00 

59,850 00 

16,435 00 

9,540 00 

6,000 00 



1204,600 00 $216,006 00 



CONVEYANCERS 1 TITLE INSURANCE COMPANY OF BOSTON. 

[Incorporated Jan. 31, 1889. Commenced bueinees March 18, 1889.] 
Paid-up Capital, $200,000. 

Frederick C. Bowditch, President. James R. Carret, Secretary. 

Henry H. Edes, Treasurer and Manager. 

Office, 28 State Street. 



Detailed Statement of Stocks. 



100 shares Third National Bank, 



Par Value. 

$10,000 00 



Market Value. 

$9,000 00 



Summary of Assets Dec. 31, 1897. 



Loans on mortgage of real estate, 
Interest accrued thereon, . 
Stocks, as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, . 
Gross assets, 



$131,595 00 

2,318 46 

9,000 00 

502 78 

102,904 08 



$246,320 32 



Income. 

Received from premiums, 

from searches, .... 

from commissions, 
Interest and dividends from all sources, . 
Gross cash income, . . . ' . 



$6,522 50 

14,094 57 

12,810 61 

18,405 04 



f51,832 72 



Expenditures. 

Cash dividends paid, $8,000 00 

Cash paid for salaries, ..... 15,314 00 

for counsel fees, .... 4,576 25 

for commissions and brokerage, . 420 85 



THE EMPLOYERS* LIABILITY ASSURANCE CORPORATION, LTD. 247 

Cash paid for advertising, 

for office rent, 

for general expenses and incidentals, 
Gross cash expenditures, .... 

Miscellaneous. 

Amount of policies issued during the year, 

Amount of mortgages bought during the year, 

Amount of mortgages sold during the year, . 

Capital stock, at par, owned by directors (28£ per cent.), . 57,000 00 



f71 00 

850 00 

2,946 49 


$32,178159 

$2,062,000 00 
2,016,242 00 
2,054,400 00 


. 



UNITED STATES BRANCH OF "THE EMPLOYERS' LIABILITY 
ASSURANCE CORPORATION, LIMITED," LONDON, ENG. 

Deposit Capital, $200,000. 

Geo. M. Endicott, Attorney. 
Office, 71 Kilby Street, Boston. 

Income. 

Ace. and Emp. Liab. Fidelity. 

Prern's outst'd'g Dec. 31, 1896, . $271,347 08 $4,385 97 

Prem's on risks written or ren'd, 1,252,053 56 32,16131 



Total $1,523,400 64 $36,547 28 

Prem's now in course of coll'n, 277,490 32 4,401 33 



Entire premiums collected, $1,245,910 32 $32,145 95 
Less reinsur. and return prem's, 214,287 70 5,764 34 



Net cash prem's received, . $1,031,622 62 $26,381 61 

$1,058,004 23 

Interest and dividends received from all sources, . . . 50,933 22 



Total income $1,108,937 45 

Net or ledger assets Dec. 31, 1896, 891,137 06 



Total, $2,000,074 51 

Disbursements. 

Ace. and Emp. Liab. Fidelity. 

Cash paid for matured claims, $608,327 13 $12,322 38 



$620,659 51 

Cash paid for commissions and brokerage, .... 250,949 32 

for salaries and expenses of officers and employees, 58,722 41 

for taxes and fees, 23,906 37 

for rent, 17,356 01 

for legal and real estate expenses, .... 5,197 63 



248 THE employers' liability assurance corporation, ltd. 



Cash paid for furniture and fixtures, 

for advertising and printing, . 
for incidentals, 

Remitted to home office, . 

Total disbursements, .... 



$ 1,783 79 
19,689 46 
13,071 01 
65,405 75 

$1,076,741 26 



Balance, $923,333 25 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bauk and with trustees, 

Total, 

Deduct depreciation, 

Total net or ledger assets, as per balance, 



$936,532 50 

800 00 

27,503 67 

£964,836 17 
41,502 92 

$923,333 25 



Other Assets. 

Interest due and accrued, .... 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



7,137 09 
274,539 18 

. $1,205,009 52 



Items not admitted. 
Cash not in control of trustees, 



Total assets, 

Deduct special deposits in other States, . 



1,157 34 



$1,203,852 18 
57,125 00 



Balance, 61,146,727 18 



Liabilities. 
Claims adjusted or in process, . 
Claims disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Deposit capital, 



839,895 00 

218,595 00 

473,407 07 

60,806 29 

$792,703 36 
35,014 33 



757,689 03 

$389,038 15 
200,000 00 



Surplus over capital, . 



. $189,038 15 



THE EMPLOYERS' LIABILITY ASSURANCE CORPORATION, LTD. 249 



Risks and Premiums. 
Accident and Employers* Liability. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 



In force at end of year, 

Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



$212,223,903 00 

281,712,047 00 

$493,935,950 00 

283,999,237 00 



Premiums. 

$943,217 35 
1,252,053 56 

52,195,270 91 
1,262,218 85 



$209,936,713 00 $933,052 06 



Fidelity. 



Total 

Deduct risks expired and terminated, 



In force at end of year, 



$5,594,297 00 

7,236,295 00 

$12,830,592 00 

6,891,672 00 



$24,863 54 
32,161 31 



$57,024 85 
30,629 65 



Miscellaneous. 



Claims incurred during the year, 



$5,938,920 00 $26,395 20 



. $631,170 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Atchison R.R. bonds, $16,477 50 $18,800 00 

Atchison R.R. stock 2,295 00 2,756 25 

Baltimore & Ohio R.R. bonds, .... 28,015 00 19,500 00 

Boston & Maine R R. bonds 15,750 00 18,000 00 

City of Buffalo bonds, 52,000 00 50,500 00 

City of Los Angeles bonds, .... 25,961 25 25,250 00 

City of Lynn bonds, 54,562 50 53,000 00 

City of Portland, Ore., bonds, .... 67,350 00 68,400 00 

City of Providence bonds 4,290 00 4,500 00 

City of Springfield bonds, .... 5,093 75 5,500 00 

Dexter & Piscataquis R.R. bonds, . . . 40,600 00 40,800 00 

Eastern R.R. bonds, 6,062 50 6,000 00 

Fort St. Un. Dep. Co , Detroit, bonds, . . 25,500 00 26,000 00 

Lowell, Lawrence & Haverhill St. R.R. bonds, 20,600 00 20,800 00 

Maine Central R R. bonds, .... 8,525 00 7,280 00 

N. Y. Central & Hudson River R.R. bonds, . 27,237 50 23,800 00 

Pennsylvania R.R. bonds, 5,600 00 6,118 33 

Philadelphia, Wilm. & Baltimore R.R. bonds, . 50,375 00 52,500 00 

Portland & Rnmford Falls R.R. bonds, . . 24,750 00 25,750 00 

State of Massachusetts bonds, .... 15,825 00 15,975 00 

Town of Andover bonds, 66,150 00 62.400 00 

Town of Canton bonds, 5,450 00 5,275 00 

United States bonds 316,062 50 283,625 00 

West End St. R.R. bonds, .... 52,000 00 52,500 00 



$936,532 50 $895,029 58 



250 THE FIDELITY AND CASUALTY COMPANY OF NEW YORK. 



"TPIE FIDELITY AND CASUALTY COMPANY OF NEW YORK," 

NEW YORK, N.Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.] 

Paid-up Capital, $250,000. 

George F. Seward, President. Robert J. Hillas, Secretary. 

Income. 

Cash rec'd for ace. and ernp. liab. risks, . . $2,644,807 98 

Deduct reinsurance and return premiums, . 607,648 63 

Net cash rec'd for ace. and emp. liab risks, $2,037,159 35 

Cash received for burglary risks, . . . $232,692 06 

Deduct reinsurance and return premiums, . 54,572 88 

Net cash received for burglary risks, . 178,119 18 

Cash received for fidelity and surety risks, . $296,691 46 

Deduct reinsurance and return premiums, . 69,004 99 

Net cash rec'd for fidelity and surety risks, 227,686 47 

Cash received for plate-glass risks, . . . $290,330 01 

Deduct reinsurance and return premiums, . 49,900 47 

Net cash rec'd for plate-glass risks, . . 240,429 54 

Cash received for steam-boiler risks, . . $368,274 46 

Deduct reinsurance and return premiums, . 107,423 71 

Net cash rec'd for steam-boiler risks, . 260,850 75 



Total net cash premiums received, $2,944,245 29 

Interest and dividends received from all sources, . . . 66,240 18 

Income from rents, 58,212 18 

Profit on sale of securities, 11,862 50 



Total income, $3,080,560 15 

Net or ledger assets Dec. 31, 1896, 2,154,256 52 



Total $5,234,816 67 

Disbursements. 

Cash paid for ace. and emp. liab. claims, . $1,076,535 82 

Deduct rebate and reinsurance, . . . 28,548 39 

Net cash pd. for ace. and emp. liab. claims, $1,047,987 43 

Cash paid for burglary claims, . . . $34,420 36 

Deduct amount recovered, .... 400 25 

Net cash paid for burglary claims, . . 34,020 11 

Cash paid for fidelity and surety claims, . . $58,719 23 
Deduct amount recovered, .... 32,029 85 

Net cash pd. for fidelity and surety claims, 26,689 38 

Cash paid for plate-glass claims, . . . $67,154 27 
Deduct salvage and reinsurance, . . . 5,903 79 

Net cash paid for plate-glass claims, . 61,250 4fi 



THE FIDELITY AND CASUALTY COMPANY OF NEW YORK. 251 



Cash paid for steam-boiler claims, . 
Deduct salvage and reinsurance, 

Net cash paid for steam-boiler claims, 



Net cash paid for matured claims, . 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and 

for inspections, 

for taxes and fees, . 

for rent, 

Cost of adjustment and legal expenses, . 
Cash paid for real estate expenses, . 

for furniture and fixtures, 

for advertising and printing, . 

for loss on securities sold, 

for incidentals, 

Total disbursements, .... 
Balance, 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Bills receivable, ....... 

Agents' debit balances, 



$30,598 


81 




265 


14 


$30,333 67 






. 


$1,200,281 07 


. 




45,000 00 


. 




763,924 04 


id employees, 


321,974 70 


. 




105,760 32 


. 




50,231 13 


. 




48,126 51 


. 




255,669 72 


. 




22,027 04 


. 




8,562 40 


. 




44,811 27 


. 




14,789 06 


• 




42,792 12 


• 


$2,923,949 38 


, , 


$2,310,867 29 



$589,743 81 

1,568,486 16 

126,820 78 

5,246 62 

20.569 92 



Total, $2,310,867 29 



Other Assets. 

Interest accrued, 

Rents accrued, 

Market value of stocks and bonds over cost, . 
Reserve reinsurance deposit, .... 

r Accident and employers' 



Premiums in course of 



Burglary, . 

i Fidelity and surety, . 
collection (gross), . | m . , J 

v& y ' I Plate glass, 

^ Steam boiler, . 
Total assets, per company's books, . 



iability, 



2,016 67 
1,640 80 
81,466 34 
21,495 48 
433,581 40 
32,056 50 
11,849 15 
47,175 91 
51,977 99 

$2,994,127 53 



Items not admitted and Depreciation. 

Agents' debit balances, $20,569 92 

Bills receivable, 5,246 62 



252 THE FIDELITY AND CASUALTY COMPANY OF NEW YORK. 



Premiums over three months due, . 
Depreciation from cost of assets, 

Total, 

Total admitted assets, 
Deduct special deposits in other States, . 



*36,603 76 
1,301 03 



$63,721 33 

. $2,930,406 20 
41,930 00 



Balance, $2,888,476 20 



Unearned premiums on i 
outstanding risks, . 



Liabilities. 

Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 

( Ace. and emp. liab., 

Burglary, . 
<j Fidelity and surety, 
I Plate glass, 
^ Steam boiler, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital, 



$105,282 45 

15,470 07 

338,643 57 

1,017,300 40 

98,986 31 

115,878 04 

122,242 09 

238,491 20 

25,697 00 

139,815 63 

^2,217,806 76 
41,930 00 



2,175,376 76 

$712,599 44 
250,000 00 

£462,599 44 



Risks and Premiums. 

Accident and Employers' Liability. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$360,233,863 00 
596,878,678 00 

$957,112,541 00 
512,984,431 00 

$444,128,110 00 
45,000 00 



Premiums. 

$1,837,382 02 

2,722,900 05 

$4,560,282 07 

2,519,490 06 

$2,040,792 01 

310 30 



$444,083,110 00 $2,040,481 71 



Burglary. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$13,797,504 00 
46,337,750 00 

$60,135,254 00 
32,581,684 00 



$90,168 69 
256,047 69 

$346,216 38 
148,610 57 



$27,553,570 00 $197,605 81 



THE FIDELITY AND CASUALTY COMPANY OF NEAV YORK. 253 



Fidelity. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



Net amount in force, . 



Plate Glass. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, .... 

Steam Boiler. 

Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$42,133,197 00 $236,693 13 
53,325,151 00 292,251 72 



$95,458,348 00 $528,944 85 
54,321,122 00 296,341 27 



$41,137,226 00 $232,603 58 
200,000 00 997 50 



$40,937,226 00 $231,606 08 



$9,833,008 00 $253,563 90 
11,887,400 00 296,626 47 



$21,720,408 00 $550,190 37 
11,851,976 00 305,238 81 



1,868,432 00 $244,951 56 
29,842 00 538 98 



1,838,590 00 $244,412 58 



$87,735,260 00 $386,418 01 
92,643,809 00 360,619 71 



$180,379,069 00 $747,037 72 
81,233,410 00 304,352 40 



$99,145,659 00 $442,685 32 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$22,997,277 00 

. 8,694,832 00 

407,500 00 

. 1,200,281 00 

192,200 00 



Schedule A. 

Stocks and Bonds owned by the Company. 



City of Richmond, Va., bonds, . 
400 shares Chicago & Alton Railway, 
300 " Chic. & Eastern Illinois R.R., . 
300 " Chic. & N. W. R'y Co., . 
500 " Chicago & Northwestern R'y., 
400 " Chicago, Mil. & St. Paul Railway, 
200 " Chic, St. P., Minn. & Omaha R R., 
250 " Cleve., Cinn., Chic. & St. L. R.R., 



Cost Value. 

$12,600 00 
54,781 25 
29,100 00 
42,000 00 
52,900 00 
49,712 50 
23,950 00 
21,100 00 



Market Value. 

$12,500 00 
65,200 00 
30,000 00 
48,900 00 
60,250 00 
57,000 00 
29,600 00 
19,500 00 



254 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



Consolidated stock of the city of New York, . 
200 shares Consolidated Gas Co. of N. Y., . 
200 " Delaware & Hudson Canal Co., . 
500 " Lake Shore & Mich. South'n R.R., 
300 " Manhattan Railway, . 
517 " Morris & Essex Ext. R.R., . 
350 " N. Y., Lack. & West'n R R., 

1,000 " Pennsylvania R.R., 

1,000 " Pitts., McKees. & Youg. R.R., 
300 " Rome, Watertown & Ogden. R.R , 
325 " Standard Gas Light Co , N. Y , . 
300 u St. Paul & Duluth R.R., 
500 " St. Paul, Minn. & Manitoba R.R., . 
200 " United New Jersey R.R. & C. Co., 
300 " Western Union Telegraph Co , . 

Atch., Top. & Santa Fe R'y bonds, . 

Brooklyn & Montauk R.R. bonds, . 

Canada Southern Railway bonds, . 

Central Ohio R.R. bonds, 

Central Railroad of New Jersey bonds, . 

Chesapeake & Ohio R'y bonds, 

Chicago, Rock Island & Pacific R.R. bonds, . 

Cinn., Ind., St. L. & Chic. R'y bonds, 

King's Co Elevated R'y bonds, 

Lake Erie & Western R.R. bonds, . 

Pitts., Clev. & Toledo R.R. bonds, . 

State of Indiana bonds, 

United States bonds, 

Wabash R.R. bonds, 

Western Union Telegraph Co. bonds, 



Cost Value. 

$206,000 00 
22,050 00 
20,700 00 
67,150 00 
37,250 00 
49,622 50 
31,950 00 
53,887 50 
60,875 00 
33,050 00 
36,975 00 
30,600 00 
56,687 50 
45,243 75 
25,025 00 
22,175 00 
27,434 00 
26,445 00 
25,000 00 
25,625 00 
17,000 00 
68,906 88 
23,625 00 
10,000 00 
25,996 53 
22,050 00 
50,750 00 
100,768 75 
25,500 00 
25,000 00 



Market Value. 

$193,250 00 
35,400 00 
22,200 00 
84,000 00 
33,600 00 
47,822 50 
42,000 00 
57,250 00 
66,750 00 
36,450 00 
46,750 00 
22,500 00 
61,000 00 
50,000 00 
27,300 00 
22,375 00 
26,000 00 
28,125 00 
24,500 00 
28,125 00 
21,100 00 
69,875 00 
25,125 00 
4,500 00 
29,375 00 
21,630 00 
49,750 00 
95,625 00 
26,875 00 
27,750 00 



$1,568,486 16 $1,649,952 50 



"FIDELITY AND DEPOSIT COMPANY OF MARYLAND," 

BALTIMORE, MD. 

[Incorporated Feb. 15, 1890. Commenced business June, 1890.] 

Paid up Capital, $1,000,000. 

Edwin Warfield, President. Herman E. Bosler, Secretary. 

Income. 



Premiums outstanding Dec 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 



Fidelity and Surety. 

$80,355 97 
845,243 03 

$925,599 00 
126,420 96 

$799,178 04 
15,812 80 



$783,365 24 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



255 



Interest and dividends received from all sources, . 

Income from rents, 

Received from commissions, . .... 

Total income, 

Net or ledger assets Dec. 31, 1896, corrected to 

bring securities to cost value, . . . $1,623,811 88 

Increase of capital, 250,000 00 

Surplus paid in, 250,000 00 



$53,591 66 
39,266 65 
24,306 16 



,529 71 



2,123,811 88 



Total, $3,024,341 59 



Disbursements. 
Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and e 

for auditing, etc., 

for taxes and fees, . 

for rent, .... 

for legal expenses, . 

for real estate expenses, . 

for furniture and fixtures, 

for advertising, printing, etc., 

for incidentals, . 

for elevator accident above insurance, 

Total disbursements, 

Balance, 



72,818 07 
23,340 95 



mployees 



$149,477 12 

80,000 00 

183,521 56 

65,096 57 

17,564 04 

29,179 09 

7,600 00 

6,121 68 

9,816 86 

2,342 60 

19,983 75 

64,517 60 

7,143 34 

$642,364 21 
$2,381,977 38 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



Total, 



$600,000 00 

1,593,389 82 

7,729 20 

180,858 36 

$2,381,977 38 



Other Assets. 
Market value of stocks and bonds over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 
Deduct special deposits in other States, . 

Balance, 



17,410 18 
126,420 96 

$2,525,808 52 
171,250 00 

12,354,558 52 



256 



FIDELITY AND DEPOSIT COMPANY OF MARYLAND. 



Liabilities. 
Claims adjusted or in process, . 

known or reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy holders, . 
Paid-up capital, 



$7,829 78 

18,507 71 

2,000 00 

441,010 03 

25,284 19 

$494,631 71 
52,778 08 



- $441,853 63 

. $1,912,704 89 
. 1,000,000 00 



Surplus over capital, $912,704 89 



Risks and Premiums. 



Fidelity and Surety. 

Premiums. 

Risks outstanding Dec. SI, 1896, . . $120,209,104 00 $710,354 65 
Risks written during 1897, .... 149,176,060 00 845,243 03 



Total, $269,385,164 00 $1,555,597 68 

Deduct risks expired and terminated, . . 128,297,770 00 673,577 



In force at end of year, 



$141,087,394 00 $882,020 06 



Miscellaneous. 

Premiums received from organization of company, 

Claims paid from organization of company, . 

Cash dividends declared from organization of compauy, 

Claims incurred during the year, 

Company's stock owned by directors, .... 



-9,864 00 
379,371 00 
190,000 00 
145,471 00 
444,250 00 



Schedule A. 
Bonds owned by the Company. 



Baltimore city bonds, 
New York city dock bonds, 
State of Maryland bonds, . 
State of Georgia bonds, . 
State of Tennessee bonds, 
City of Buffalo, N. Y., bonds, 
City of Westminster, Md., bonds, 
City of Frederick, Md., bonds, . 



Cost Va!ue. 

$570,773 82 

217,750 00 

102,060 00 

140,468 75 

26,250 00 

51,750 00 

25,156 25 

28,163 00 



Market Value, 

$579,260 00 

218,000 00 

105,000 00 

139,750 00 

26,400 00 

51,500 00 

25,000 00 

28,600 00 



FRANKFORT MARINE ACCIDENT AND PLATE-GLASS INS. CO. 257 



City of Petersburg, Va., bonds, 

City of Richmond, Va., bonds, . 

Lucas Co., Ohio, court house bonds, 

Baltimore Traction R.R. bonds, 

City & Suburban R'y Co. bonds, 

Va Midland R.R. bonds, . 

Charlotte, Columbia & Augusta R.R. bonds, 

Petersburg R.R. bonds, . 

Georgia Pacific R.R. bonds, 

Raleigh & Gaston R.R. bonds, . 

Wilmington & Weldon R R. bonds, 



Cost Value. 

. $26,835 00 
25,000 00 
30,750 00 
109,240 00 
51,693 00 
48,130 00 
27,500 00 
10,700 00 
12,045 00 
30,000 00 
59,125 00 



Market Value. 

$26,500 00 
25,000 00 
30,000 00 

115,000 00 
54,240 00 
47,420 00 
26,750 00 
11,400 00 
12,980 00 
30,000 00 
58,000 00 



$1,593,389 82 $1,610,800 00 



UNITED STATES BRANCH OF "THE FRANKFORT MARINE 
ACCIDENT AND PLATE-GLASS INSURANCE COMPANY," 
FRANKFORT-ON-THE-MAIN, GERMAN 1\ 

Deposit Capital, $200,000. 

F. G. Voss, U. S. Manager, Chicago, III. 



Income. 

Ace. and Emp. Liab. 

Prem's outstM'g Dec. 31, 1896, . $41,970 38 
Prem's on risks written or ren'd, 375,642 68 



Total, $417,613 06 

Prem's now in course of colPn, . 106,507 33 



Entire premiums collected, $311,105 73 
Less reins, and return prern's, . 43,327 56 



Plate Glass. 

$3,807 58 
23,010 09 

$26,817 67 
5,206 36 

$21,611 31 
4,633 09 



Net cash premiums ree'd, . $267,778 17 $16,978 22 



Interest and dividends received from all sources, . 



$284,756 39 
7,500 00 



Total income, $292,256 39 

Net or ledger assets Dec. 31, 1896, 208,120 52 



Total, $500,376 91 



Disbursements. 

Ace. and Emp. Liab. 

Cash paid for matured claims, . $78,708 96 



Plate Glass. 
$4,445 40 



,154 36 

Cash paid for commissions and brokerage, .... 83,893 26 
for salaries and expenses of officers and employees, 22,227 64 
for inspections, . 2,727 25 



258 FRANKFORT MARINE ACCIDENT AND PLATE-GLAS> IKS. CO. 



Cash paid for taxes and fees, . 

for advertisingand printing, . 
for incidentals, .... 



£4,329 69 
4,782 18 
1,113 07 



Total disbursements, $2^2,227 45 



Balance, $298,149 46 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . . $274,476 25 
Cash deposited in bank and with trustees, .... 23,673 21 



Total, $298,149 46 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over cost, . 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



1,333 35 

56,043 75 

111.713 69 

$167,240 25 



Items not admitted. 
•Cash not in control of trustees, 

Total admitted assets, .... 



7,673 21 



$459,567 04 



Liabilities. 
Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, 
Deposit capital, 



Surplus over capital, . 



$38,043 44 

174,962 97 

27,242 29 



240,248 70 

$219,318 34 
200,000 00 

$19,318 34 



Risks and Premiums. 
Accident and Employers" Liability. 

Premiums. 

Risks outstanding Dec. 31, 1896, . . . $9,691,213 00 $77,045 27 



!Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of vear, 



. 39,882,000 00 375,642 6S 



. $49,573,213 00 $452,687 95 
. 13,884,213 00 121,544 18 



. $35,689,000 00 $331,143 77 



THE GUARANTEE COMPANY OF NORTH AMERICA. 



259 



Plate Glass. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$446,095 00 
1,687,831 00 

$2,133,926 00 
734,541 00 



Premiums. 

$9,181 49 
23,010 09 

$32,191 58 
13,409 41 



$1,399,385 00 $18,782 17 



Miscellaneous. 
Claims incurred during the year, 

Schedule A. 
Bonds owned by the Company. 

Cost Value. 

. $200,000 00 
74,476 25 



United States bonds,. 
Illinois Central R.R. bonds, 



$112,228 00 



Market Value. 

$256,000 00 
74,520 00 



$274,476 25 $330,520 00 



UNITED STATES BRANCH OF "THE GUARANTEE COMPANY OF 
NORTH AMERICA;' MONTREAL, CAN. 

Deposit Capital, $200,000. 



Edward Rawlings, President. 

Income. 
Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 
Depreciation in assets charged to profit and loss, 



other 



Robert Kerr, Secretary. 



$11,406 47 
209,736 72 



$221,143 19 
10,236 44 

$210,906 75 
44,057 68 



sources, . 



$565,275 64 
7,202 88 



Total, 

Disbursements 
Cash paid for matured claims, . 
Deduct salvage and reinsurance, 
Net cash paid for matured claims, . 



$166,849 07 

46 80 

18,175 51 

942 55 

$186,013 93 

558,072 76 
$744,086 69 



$49,158 31 
17,791 08 



$31,367 23 



260 THE GUARANTEE COMPANY OF NORTH AMERICA. 

Cash paid for commissions and brokerage, .... $5,302 39 

for salaries and expenses of officers and employees, 51,040 89 

for inspections, 24,855 33 

for taxes and fees, 6,236 13 

for rent, 7,726 07 

for legal expenses, 1,419 00 

for furniture and fixtures, 75 00 

for advertising and printing, 4,098 44 

for loss on real estate sold, 50 00 

for incidentals, 8,926 82 

Total disbursements, ? 141,097 30 

Balance, |602,989 39 

Invested in the following : — 

Assets as per Ledger Accounts. 

Book value of real estate, $33,099 54 

Loans on mortgage of real estate (first liens), . . . 5,430 00 

Cost value of stocks and bonds owned (schedule A), . 518,020 00 

Cash deposited in bank, 44,268 93 

Furniture and safes, 2,170 92 

Total, $602,989 39 

Other Assets. 

Interest accrued, . 3,640 00 

Market value of real estate over book value, .... 14,025 46 

Market value of stocks and bonds over cost, .... 13,405 00 

Gross premiums in course of collection, 10,236 44 

Total assets, per company's books, $644,296 29 

Items not admitted. 

Office furniture, etc., $2,170 92 

Stocks and bonds, . ^ ( 128,475 00 

Real estate, . -Lot in control of! 33,099 54 
Cash in bank, . . trustees . ■ 44,268 93 

Loans on mortgages, J ^ 5,430 00 

Total, 213,444 39 

Total admitted assets, $430,851 90 

Deduct special deposits in other States, ..... 16,150 00 

Balance, $414,701 90 



THE GUARANTEE COMPANY OF NORTH AMERICA. 



261 



Liabilities. 



Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 

Total amount of claims, . 
Less reinsurance, 



Net amount of unpaid claims, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy holders, . 
Deposit capital, 



$1,825 92 
22,855 12 
66,279 96 

§90,961 00 
10,000 00 

$80,961 00 

92,009 42 

1,35000 

5lf 82 

$174,832 24 
10,143 25 



$164,688 99 

#250,012 91 
200,000 00 



Surplus over capital, $50,012 91 



Risks and Premiums. 

Fidelity. 

Premiums. 

Risks outstanding Dec. 31, 1896, . . . $44,048,340 00 $212,100 80 



Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



. 47,319,060 00 209,736 72 



.$91,367,400 00 $421,837 52 
. 47,123,510 00 206,682 97 



. $44,243,890 00 $215,154 55 
. 6,452,728 00 31,135 70 



. $37,791,162 00 $184,018 85 



Miscellaneous. 
Claims incurred during the year, 



$33,962 00 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value 

United States Guarantee Co. stock, . . . $149,100 00 $149,100 00 

Philadelphia Bourse stock, .... 275 00 275 00 

Western Union Telegraph Co. stock, . . 16,600 00 18,200 00 

Montreal Telegraph Co. stock, . . . 39,600 00 42,960 00 



262 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Bell Telephone Co. of Canada stock, 

United States bonds, . 

City of Richmond, Va., bonds, . 

City of Toronto bonds, 

Montreal harbor bonds, . 

Canada Southern Railway bonds, 

City of Brooklyn, N. Y., bonds, 



Cost Value. 

$43,500 00 
110,225 00 
16,150 00 
10,500 00 
19,270 CO 
10,500 00 
102,300 00 



Market Value. 

113,500 00 
114,000 00 
16,150 00 
10,400 00 
19,340 00 
10,800 00 
106,700 00 



8518,020 00 8531,425 00 



"THE HARTFORD STEAM BOILER INSPECTION AND INSUR- 
ANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business October, 1866.] 

Paid-up Capital, $500,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 



Income. 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all other 
Profit on securities sold, .... 
Received from special mechanical services, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



Disbursements 

Cash paid for matured claims, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers 

for inspections, 

for taxes and fees, . 

for rent, . 

for legal expenses, . 

for furniture, fixtures and apparatus, 

for advertising and printing, . 



8298,304 12 
976,500 39 

81,274,804 51 
265,911 14 

£1,008,893 37 
105,221 64 



sources, 



and employees 



8903,671 73 

19,228 59 

70,618 71 

369 90 

1,787 51 

$995,676 44 
1,842,706 89 

$2,838,383 33 



$59,267 03 

60,000 00 

213,259 44 

134,086 73 

315,156 97 

16,533 91 

4,250 00 

1,350 39 

2,228 65 

31,186 35 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 263 



Cash paid for profit and loss, . 

for depreciation of securities, . 
for incidentals, 

Total disbursements, .... 

Balance, 



$7,453 31 

36,375 00 

5,527 77 

$886,675 55 

1,951,707 78 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



Total, 



Other Assets. 

Interest accrued, 

Market value of stocks and bonds over cost, . 
Gross premiums in course of collection, . 

Total assets, per company's books, . 

Items not admitted. 
Deduct special deposits in other States, . 

Balance, 



$55,655 39 

335,775 00 

1,490,845 63 

6,409 11 

63,022 65 

$1,951,707 78 



34,776 74 

12,995 87 

265,911 14 

>,265,391 53 



30,000 00 
1,235,391 53 



Liabilities. 
Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital, . 



$14,692 38 

1,275,786 77 

27,752 72 

$1,318,231 87 
13,076 91 



1,305,154 96 

$930,236 57 
500,000 00 



Risks and Premiums. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$268,495,300 00 
111,840,542 00 

$380,335,842 00 
106,005,135 00 



$430,236 57 



Premiums. 

$2,493,119 44 
976,500 39 

$3,469,619 83 
957,795 11 



$274,330,707 00 $2,511,824 72 



2G4 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Miscellaneous. 
Prem 1 s and inspections rec'd from organization of comp'y 
Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$11,741,440 00 

. 1,026,709 00 

. 894,750 00 

62,806 00 

87,850 00 



Schedule A. 

Bonds and Stocks owned by 



State of Connecticut bonds, 
United States bonds, 
Wooster, O., city bonds, . 
Toledo, O., city bonds, 
Columbus, O., city bonds, 
Atchison, Kan., city bonds, 
Solomon, Kan., city bonds, 
Hutchinson, Kan., city bonds, 
Cullison, Kan , city bonds, 
Coolidge, Kan., city bonds, 
Leavenworth, Kan, city bonds, 
Horton, Kan , city bonds, . 
Winfield, Kan., city bonds, 
Oberlin, Kan., city bonds, 
Medicine Lodge, Kan., city bonds, 
Evansville, Ind , city bonds, 
Vincennes, Ind., city bonds, 
Council Bluffs, la., city bonds, 
York, Neb., city bonds, . 
Columbus, Neb., city bonds, 
Trinidad, Colo., city bonds, 
Gladstone, Mich., city bonds, 
Gladwin, Mich., city bonds, 
Albina, Ore., city bonds, . 
Astoria, Ore., city bonds, . 
Rockport, Tex , city bonds, 
Fort Worth, Tex., city bonds, 
Dallas, Tex., city bonds, . 
Tyler, Tex., city bonds, . 
Wheeling, W. Va , city bonds, 
Huntington, W. Va., city bonds, 
Charleston, W. Va., city bonds, 
Richmond, Va., city bonds, 
Roanoke, Va , city bonds, 
Ogden, Utah, city bonds, . 
Olympia, Wash., city bonds, . 
Athens, Ga., city bonds, . 



the Company. 

Cost Value. 

$107,250 00 

2,326 00 

10,000 00 

16,125 00 

10,300 00 

15,000 00 

2,985 00 

12,000 00 

6,825 00 

5,500 00 

1,485 00 

10,600 00 

9,950 00 

5,000 00 

5,000 00. 

12,000 00 

16,160 00 

6,000 00 

10,000 00 

10,100 00 

5,125 00 

10,000 00 

7,490 00 

11,175 00 

21,000 00 

10,000 00 

9,750 00 

10,300 00 

6,360 00 

11,300 00 

10,525 00 

20,900 00 

29,562 50 

5,175 00 

5,462 50 

10,762 50 

20,200 00 



Market Value. 

% 100,000 00 

2,200 00 

10,600 00 

16,500 00 

10,300 00 

15,000 00 

3^00 00 

13,200 00 

4,875 00 

2,200 00 

1,500 00 

12,600 00 

10,500 00 

5,000 00 

2,500 00 

12,000 00 

16,000 00 

6,300 00 

10,500 00 

10,500 00 

5,250 00 

10,500 00 

7,350 00 

12,500 00 

20,900 00 

10,000 00 

10,000 00 

10,300 00 

6,300 00 

11,000 00 

10,500 00 

21,000 00 

30,000 00 

5,250 00 

5,500 00 

10,000 00 

20,000 00 



THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 265 



Griffin, Ga., city bonds, .... 
Abilene, Kan., Board of Education bonds, 
Anthony, Kan , Board of Education bonds, 
Nebraska School District bonds, 
Kansas School District bonds, . 
Colorado School District bonds, 
Maricopa, Ariz., School District bonds, 
Houston, Tex., School District bonds, 
Centreville, la., School District bonds. 
Second North School District bonds, Hartford 
Center School District bonds, Waterbury, 
Red'ds, Lugonia and Craf'n U. H. S. Dist bd's 
W. C. Special Drainage Dist., Illinois, bonds, 
No. Branch Lake Fork Drain. Dist., 111., bd's, 
Big Lake Drainage District, 111., bonds, 
Beaver township bonds, . 
Oxford, Kan., township bonds, 
Oswego, Kan., township bonds, 
Jefferson, Kan., township bonds, 
Reno, Kan., township bonds, . 
Dexter, Kan., township bonds, 
Haskell, Kan., township bonds, 
Albion, Nebraska, village bonds, 
School Creek Precinct, Clay Co., Neb., bonds 
Sutton Precinct, Clay Co., Neb., bonds, 
Lewis Precinct, Clay Co , Neb., bonds, 
Pawnee County, Kansas, bonds, 
Dickinson County, Kansas, bonds, 
Riley County, Kansas, bonds, . 
Cascade County, Montana, bonds, 
Albany County, Wyoming, bonds, 
Spokane County, Washington, bonds, 
Snohomish County, Washington, bonds, 
Skagit County, Washington, bonds, . 
Rains County, Texas, bonds, 
Graham County, Arizona, bonds, 
Jefferson County, Ohio, bonds, 
Muskingum County, Ohio, bonds, . 
Milwaukee County, Wisconsin, bonds, 
Marion County, Indiana, bonds, 
Arizona Territory bonds, . 
St. Louis & San Francisco R.R. bonds, 
Atlantic & Charlotte Air Line R'y bonds, 
Texas & New Orleans R.R. bonds, . 
Lehigh Valley Terminal R'y bonds,. 
Wabash Railroad bonds, . 
Terminal R'y Asso'n of St. Louis bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 



Cost Value. 

$6,000 00 

6,120 00 

13,062 50 

2,130 14 

12,846 30 

5,000 00 

10,439 60 

10,000 00 

10,100 00 

10,000 00 

10,975 00 

10,885 44 

10,250 00 

9,630 00 

15,600 00 

11,550 00 

8,500 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

5,250 00 

6,270 00 

5,000 00 

5,000 00 

4,000 00 

11,000 00 

15,000 00 

9,600 00 

8,590 00 

10,250 00 

10,500 00 

8,651 30 

10,537 50 

5,200 00 

5,350 00 

10,500 00 

5,000 00 

22,100 00 

22,025 00 

10,000 00 

27,255 20 

4,760 00 

27,690 00 

42,400 00 

10,400 00 

27,562 50 

9,550 00 



Market Value. 

$6,000 00 

6,000 00 

12,500 00 

2,034 50 

12,535 00 

5,000 00 

10,500 00 

10,000 00 

10,100 00 

10,400 00 

10,975 00 

10,200 00 

10,200 00 

9,450 00 

15,600 00 

11,550 00 

8,925 00 

10,000 00 

10,500 00 

15,750 00 

10,500 00 

2,500 00 

6,300 00 

5,250 00 

5,250 00 

4,200 00 

11,550 00 

15,000 00 

10,000 00 

8,800 00 

10,500 00 

10,500 00 

8,100 00 

10,500 00 

5,250 00 

5,250 00 

10,500 00 

5,100 00 

22,000 00 

22,000 00 

10,200 00 

27,650 00 

4,800 00 

28,750 00 

44,800 00 

10,800 00 

27,500 00 

11,000 00 



266 THE HARTFORD STEAM BOILER INSPECTION AND INS. CO. 



Dayton & Western R.R. bonds, 
Mahoning Coal R R. bonds, 
Cincinnati, Jackson & Mackinaw R.R bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Indiana & Lake Michigan R R. bonds, . 
Jamaica & Brooklyn Road Co. bonds, 
Kanawha & Michigan Railway bonds, 
Cleveland, Cinn., Chic. & St. Louis R'y bonds 
Terre Haute & Peoria R.R. bonds, . 
Chicago & Western Indiana R R. bonds, . 
Evansville & Indianapolis R.R. bonds, . 
N. Y.. New Haven & Hartford R.R. bonds, 
Louisville, New Albany & Chicago R.R. bonds 
Philadelphia & Reading R.R. bonds, 
Northern Pacific R.R. bonds, . 
Chicago & Erie R.R. bonds, 
Hartford Street R'y bonds, 
West Chicago St. R'y Tunnel bonds, 
40 shares City National Bank, Plartford, 
100 " Hartford National Bank, Hartford 
100 " Security Company, Hart lord, . 
100 " American National Bank, Hartford 
85 " Farmers 1 & Mech .'s N'l B'k, Hart., 
43 " ^Etna National Bank, Hartford, 
50 " Puritan Trust Company, Boston, 
190 " N. V., New Haven & Hartford R R. 
120 " Chic, Burlington & Quincy R R., 
100 " Chicago, Mil. & St. Paul R.R., 
110 " Atchison, Topeka & Santa Fe R R. 
110 " Chicago, Rock Isl. & Pacific R.R., 
100 " Chicago & Northwestern R.R., 
50 " Bald Eagle Valley R.R., . 
527 " St. Louis & San Francisco R.R., 
200 " Northwestern Telegraph Co.,. 
400 " Pacific & Atlantic Telegraph Co., 



Cost Value. 

$10,317 00 

9,350 00 

12,282 20 

3,200 00 

10,000 00 

4,950 00 

7,600 00 

4,550 00 

10,150 00 

29,000 00 

5,600 00 

7,693 50 

16,200 00 

29,120 00 

50,590 00 

23.577 50 
30,525 00 
25,250 00 

4,251 20 

15.578 00 
11,990 00 

6,418 50 

9,013 25 

4,614 00 

5,000 00 

23,125 00 

14,225 00 

12,100 00 

10,784 50 

13,537 00 

14,025 00 

4,900 00 

6,105 00 

10,150 00 

7,550 00 



Market Value. 

$16,800 00 

12,000 00 

7,000 00 

3,380 00 

8,500 00 

5,000 00 

7,800 00 

4,750 00 

7,500 00 

30,000 00 

4,000 00 

10,800 00 

17,250 00 

33,040 00 

51,800 00 

24,640 00 

3 »,600 00 

25,250 00 

4,000 00 

14,000 00 

12,000 00 

6,500 00 

9,520 00 

6,235 00 

5,000 00 

34,580 00 

12,000 00 

14,200 00 

1,450 CO 

10,010 00 

16.300 00 

5,000 00 

9,742 00 

11,000 00 

7,500 00 



$1,490,845 63 $1,503,841 50 



THE LAWYERS' SURETY COMPANY OF NEW YORK. 267 



"THE LAWYERS' SURETY COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated March 30, 1892. Commenced business April 1, 1892.] 
Paid-up Capital, $500,000. 



Joel B. Erhardt, President. 

Income 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest charged on real estate, 
Interest and dividends received from all other sour 
Income from rents, .... 
Received from all other sources, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Total, 



Joel Rathbone, Secretary. 



$27,754 27 
120,308 92 



$148,063 19 
32,693 37 

$115,369 82 
28,954 02 



ces, 



$86,415 80 

3,181 03 

21,730 90 

171 35 

1,157 51 



$112,656 59 
652,160 74 



$764,817 33 



Disbursements. 

Cash paid for matured claims, . . . $4,608 79 

Deduct salvage and reinsurance, . . . 763 81 

Net cash paid for matured claims, . . 

Cash paid for commissions and brokerage, . 

for salaries and expenses of officers and employees, 

for taxes and fees, . 

for rent, .... 

for legal expenses, . 

for real estate expenses, . 

for furniture and fixtures, 

for advertising and printing, 

for losses on securities Sold, 

for interest set aside to reduce premiums on cost 
of investments, 

for miscellaneous, . 

Total disbursements, . 
Balance, 



$3,844 98 

2,281 83 

40,366 34 

2,583 89 

7,763 96 

7,394 47 

155 20 

1,687 70 

3,501 80 

526 20 

1,596 70 

7,376 43 

$79,079 50 

$685,737 83 



268 THE lawyers' surety company OF NEW YORK. 



Invested in the following : 



Assets as per Ledger Accounts. 

Cost value of real estate, 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



Total assets, as per balance, 



$18,813 29 

650,964 98 

442 70 

15,516 86 

$685,737 83 



Other Assets. 
Interest due and accrued, 
Market value of real estate over cost, 
Market value of stocks apd bonds over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



4,894 80 
1,106 71 

6,245 48 
32,693 37 

$730,678 19 



Liabilities. 

Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital, 



Risks and Premu 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



£45,377 42 

1,818 37 

820 94 



48,016 73 

$682,661 46 
500,000 00 

$182,661 46 



MS. 

Premiums. 

833,196,313 00 $100,813 50 
45,444,186 00 120,308 92 



$78,640,499 00 $221,122 42 
39,780,898 00 130,367 59 



. $38,859,601 00 $90,754 83 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$480,018 00 

10,956 00 

3,845 00 

190.600 00 



LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 269 



Schedule A. 



Stocks and Bonds owned by the Company. 

Cost Value. 

R. stock, . $11,904 97 

100,500 00 

273,062 75 

152,805 71 

73,695 60 

10,175 00 

12,408 75 

16,412 20 



Rome, Watertown & Ogdensburg R 
New York city consolidated stock, 
New York city water stock, 
New York city bonds, 
United States bonds, . 
Brooklyn city bonds, 
Virginia Midland R R. bonds, 
Chesapeake & Ohio R.R. bonds 



Market Value. 

$12,250 00 

101,000 00 

272,700 00 

152,520 46 

76,515 00 

10,250 00 

15,525 00 

16,450 00 



$650,964 98 $657,210 46 



"LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEAV YORK," 

NEW YORK, N. Y. 

[Incorporated August, 1882. Commenced business September, 1882.] 
Paid-up Capital, $250,000. 

William T. Woods, President. Charles E. W. Chambers, Secretary. 



Income. 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Received from all other sources, 



other 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 

Total, 

Disbursements. 
Cash paid for matured claims, . 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 
Cash paid for salaries and expenses of officers and employees, 



$67,587 12 
417,016 16 

$484,603 28 
65,984 40 

$418,618 88 
32,684 35 



sources, 



$385,934 53 

950 00 

14,608 63 

13,943 66 

593 45 

$416,030 27 
622,438 32 

$1,038,468 59 



$136,386 55 
11,661 28 



$124,725 27 

50,000 00 

103,931 76 

59,172 49 



270 LLOYDS PLATE GLASS INSURANCE CO. OF NEW YORK. 



Cash paid for taxes and fees, . 

for rent, .... 
for legal expenses, . 
for real estate expenses, . 
for furniture and fixtures, 
Jor advertising and printing, 
for losses on securities sold, 
for incidentals, 

Total disbursements, . 

Balance, 



$13,296 98 

2.734 94 
210 78 

3,775 18 

391 70 

8,835 72 

2,728 25 

6.735 48 

$376,538 55 

0661,930 04 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgages of real estate, first liens, 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



Total, 



|245 v 768 18 

20,000 00 

368,805 21 

5,262 58 

22,099 07 

$661,930 04 



Other Assets. 

Market value of real estate over cost, 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



19,236 82 
65,984 40 

$747,151 26 



Items not admitted and Depreciation. 



Premiums over three months due, . 
Depreciation from cost of assets, 
Total, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$5,112 35 
12,193 12 



17,305 47 

$729,845 79 
24,899 22 

$704,946 57 



Liabilities. 

Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, 
Paid-up capital, ..... 



Surplus over capital, . 



$1,601 61 

201,483 53 

13,255 72 

15,218 01 



231,558 87 

$473,387 70 
250,000 00 

1223,387 70 



LLOYDS PLATE-GLASS INSURANCE CO. OF NEW YORK. 271 



Risks and Premiums. 



Risks outstanding Dec. 31, 1896, 
Risks written during*1897, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



$15,709,604 00 

15,941,161 00 

f31,650,765 00 

15,216,625 00 



Premiums. 

$392,009 76 
417,016 16 



,025 92 
409,269 61 



$16,434,140 00 $399,756 31 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$4,807,894 00 

1,716,388 00 

463,250 00 

123,944 00 

99,600 00 



stock 



Schedule A. 

Stocks and Bonds owned by the 



Brooklyn Trust Co. stock, 

Brooklyn & New York Ferry Co. stock, 

Edison Elec. 111. Co. of Brooklyn stock, 

Central Park, North & East River R R. stock 

Third Ave. R.R. Co. stock, 

Manhattan Trust Co. stock, 

Northern Pacific R.R. Co. stock, 

Corn Exchange Bank stock, 

Brooklyn Union Gas Co. stock, 

Brooklyn City & Newtown R.R. stock, 

Dry Dock, E. Broadway & Battery R.R. 

United States bonds, .... 

Brooklyn & Coney Island R.R. bonds, 

Toledo & Ohio Cent. R.R. bonds, . 

Second Ave. R.R. bonds, . 

Brooklyn Cross Town R.R. bonds, . 

Brooklyn City & Newtown R.R. bonds, 

Kanawha & Michigan R R. bonds, . 

N. Y. & East River Ferry Co. bonds, 

Citizens' Gas & Elec. Co of W. Plains 

Nor. Pac. Gen Lien & Land Grant R.R 

Hoboken Ferry Co. bonds, 

Central Union Gas Co. bonds, . 

Elmsford drainage bonds, 

Chic, Rock Island & Pac. R.R. bonds, 

Dominion of Canada bonds, 

City of Ottawa, Ontario, bonds, 

City of Hamilton, Ontario, bonds, . 



bond 



b'ds, 



Company. 

Cost Value. 

$20,250 00 
9,000 00 

10,428 00 
8,250 00 
9,214 23 
5,711 57 
4,294 00 

14,400 00 

10,512 50 
9,350 00 
4,410 00 
150,134 26 
5,487 78 
9,768 75 
5,427 92 
5,575 00 
5,155 00 

11,393 75 
4,700 00 
5,000 00 
6,267 50 

10,512 50 

10,275 00 
3,000 00 
5,350 00 

10,672 22 
6,401 20 
7,864 03 



Market Value. 

$ 20,500 00 
9,750 00 

13,300 00 
9,000 00 
9,780 00 
6,750 00 
6,667 00 

14,750 00 

11,900 00 

9,000 00 

4,500 00 

129,350 00 

5,150 00 

10,100 00 
5,400 CO 
5,350 00 
5,700 00 

11,625 00 
4,750 00 
5,250 00 
7,000 62 

10,750 00 

10,000 00 
3,000 00 
5,381 25 

10,450 00 
6,630 00 
7,828 22 



$368,805 21 $359,612 09 



272 LONDON GUARANTEE AND ACCIDENT COMPANY, LIMITED. 



UNITED STATES BRANCH OF THE "LONDON GUARANTEE AND 
ACCIDENT COMPANY, LIMITED," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

A. W. Masters, Resident Manager, Chicago, III. 

Income. 



Ace. and Emp. Llab. 

Prcm's outst'd'g Dec. 31, 1896, . $147,291 91 
Prem's on risks written or ren'd, 842,816 16 



Total, $990,108 07 

Prem's now in course of coll'n, 156,971 86 



Entire premiums collected, $833,136 21 
Less reinsur. and return prem's, 122,265 32 

Net cash premiums received, $710,870 89 



Fidelity. 

$976 95 
7,542 58 

$8,519 53 
1,153 62 

$7,365 91 
1,186 12 

$6,179 79 



Interest and dividends received from all sources, 



Total income, 

Net or ledger assets Dec 31, 1896, . 

Total, 

Disbursements. 
Cash paid for matured claims, 
Remitted to home office, . . . . 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 

for medical examiner's fees, 

for inspections, 

for taxes and fees, . 

for rent, .... 

for legal expenses, . 

for trustees' and auditors 1 fees 

for furniture and fixtures, 

for advertising and printing, 

for incidentals, 



$717,050 68 
26,618 52 

$743,699 20 
680,619 13 

f 1,424,318 33 



$337,697 30 

21,498 10 
196,651 30 

47,494 17 
6,049 25 
5,680 52 

12,954 85 
3,849 96 
4,505 47 
2,400 00 
1,302 62 
9,106 42 

11,522 99 



$660,712 95 



Total disbursements, . 

Balance, $763,605 38 

Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of bonds owned (schedule A), .... $734,459 70 



Cash in company's office, . 
Cash deposited in bank, . 



749 02 
28,396 66 



Total, $763,605 38 



LONDON GUARANTEE AND ACCIDENT COMPANY, LIMITED. 273 



Other Assets. 

Interest due and accrued, 

Market value of bonds over cost, 

Gross premiums in course of collection, . 

Total assets, per company's books, . 

Items not admitted. 

Cash not in control of trustees, 
Premiums over three months due, . 

Total, - 



Total admitted assets, 

Liabilities. 
Claims adjusted or in process, . 
known or reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Deposit capital, 



$749 02 
4,030 89 



$530 00 

9,088 77 

233,000 00 

339,665 72 

7,873 63 

42,259 25 



$7,020 65 

27,009 70 

158,125 48 

$955,761 21 



4,779 91 



$950,981 30 



632,417 37 

$318,563 93 
200,000 00 



Surplus over capital, $118,563 93 



Risks and Premiums. 
Accident and Employers' 1 Liability. 






Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



Net amount in force, . 

Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Fide lily 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

$62,846,350 00 $597,221 39 
92,152,350 00 842,816 16 



$154,998,700 00 $1,440,037 55 
77,727,550 00 766,170 35 



$77,271,150 00 $673,867 20 
120,000 00 482 55 



$77,151,150 00 $673,384 65 



$1,498,850 00 
1,263,600 00 


$8,976 78 
7,542 58 


$2,762,450 00 
1,735,850 00 


$16,519 36 
10,572 56 


$1,026,600 00 


$5,946 80 



274 



MASSACHUSETTS TITLE INSURANCE COMPANY. 



Miscellaneous. 
Claims incurred during the year, 

Schedule A. 



. §337,697 00 



Bonds owned by the Company. 

Cost Value. 



United States bonds, 

Penns} T lvania bonds, 

New York Cent. & Hudson River R.R. certs. 

Illinois Central R.R. bonds, 

Baltimore & Ohio R.R. bonds, . 

Chicago & Northwestern R.R. bonds, 

Manhattan Elevated R.R. bonds, 

Long Island R.R. bonds, . 

City of Jersey City bonds, 

City of Brooklyn bonds, . 

City of Boston bonds, 

City of Chicago bonds, 

City of New York bonds, . 

State of Massachusetts bonds, 



$200,000 00 
62,098 48 
50,996 26 
48,773 58 
43,186 62 
30,061 99 

25.147 33 
9,839 95 

27,287 82 

51.148 75 
51,437 50 
52,503 75 
26,781 25 
55,196 42 



Market Value. 

$225,000 00 
63,264 50 
51,500 00 
49,332 50 
37,652 40 
29,125 00 
23,750 00 
9,360 00 
28,930 00 
52,575 00 
53,250 00 
53,855 00 
27,125 00 
56,750 00 



$734,459 70 $761,469 40 



MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 

Paid-up Capital, $300,000. 

Hales W. Suter, President. J. Thomas Baldwin, Clerk and Treasurer. 

Office, Devonshire Building. 



20 shares Mercantile Trust Co., 



Detailed Statement of Stocks. 

Par Value. Market Value. 

§ 2,000 00 $2,000 00 



Summary of Assets Dec. 31, 1897. 

Loans on mortgage of real estate (first liens*), $117,179 85 

Interest due or accrued thereon, . . . 1,401 29 

Stocks and bonds, 2,000 00 

Cash in the office of the company, . . . 1,441 63 

Cash deposited in bank, 27,992 69 

Premiums in course of collection, . . . 3,284 34 

Plant of company, 182,500 00 

Gross assets, $335,799 80 



* Value of lands mortgaged, $52,979 00 

Value of buildings thereon 125,500 00 

Amount of insurance held as collateral, . . 116,000 00 



METROPOLITAN PLATE-GLASS INSURANCE CO. OF NEW YORK. 275 



Liabilities. 

Due for borrowed money, .... $9,188 82 

Trust funds, 26,441 94 

Gross liabilities, except capital, . . f 35,630 76 

Income. 

Cash premiums received, $15,683 25 

Interest and dividends received from all sources, 6,735 78 

Conveyancing and title examinations, . . 7,254 55 

Real estate sold, 800 00 

Gross cash income, $30,473 58 

Expenditures. 

Cash paid for losses, $499 55 

for commissions and brokerage, . 491 92 

for salaries of officers and employees, 15,444 47 

for State and local taxes, . . 259 74 

for rent, 3,000 00 

for incidentals, 5,264 35 

for company's notes, . . . 5,800 00 

Gross cash expenditures, .... $30,760 03 



"THE METROPOLITAN PLATE-GLASS INSURANCE COMPANY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 

Paid-up Capital, $100,000. 

Ecgene H. Winslow, President. S. W. Burton, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1896, . . $38,844 95 
Premiums on risks written or renewed, . . 304,502 43 

Total, $343,347 38 

Premiums now in course of collection, . . 40,186 69 

Entire premiums collected, . . . $303,160 69 
Less reinsurance and return premiums, . . 38,585 27 

Net cash premiums received, . . . $204,575 42 

Interest and dividends received from all sources, . . . 11,99188 
Income from rents, 2,477 51 

Total income, $ 279,044 81 

Net or ledger assets Dec. 31, 1896, 427,183 34 

Total, $706,228 15 



276 METROPOLITAN PLATE-GLASS INSURANCE CO. OF NEW YORK. 



Disbursements. 
Cash paid for matured claims, .... $88,200 00 
Deduct salvage and reinsurance, . . . 2,430 89 

Net cash paid for matured claims, . . 185,769 11 

Cash dividends paid, 18,000 00 

Cash paid for commissions and brokerage, .... 80,926 32 

for salaries and expenses of officers and employees, 32,628 31 

for taxes and fees, 8,344 28 

for real estate expenses, 2,111 53 

for furniture and fixtures, 11 00 

for advertising and printing, 4,307 27 

for loss on securities sold, 1,500 00 

for incidentals, 7,221 34 



Total disbursements, . 
Balance, 



. 1240,819 16 



$465,408 99 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, . $150,000 00 

Cost value of stocks and bonds owned (schedule A), . 266,855 49 

Cash in company's office, 1,816 80 

Cash deposited in bank, 46,736 70 



Total, |465,408 99 



Other Assets, 

Interest accrued, 

Plate glass on hand, 

Bills in course of collection for plate glass, 
Gross premiums in course of collection, . 
Market value of bonds and stocks over cost, 

Total assets, per company's books, . 



383 


33 


1,418 


72 


187 


78 


40,186 69 


5,277 


01 


$512,862 52 



Items not admitted. 



Bills receivable, 

Total admitted assets, 



187 78 



$512,674 74 



Liabilities. 
Claims adjusted or in process, .... $2,200 00 

Unearned premiums on outstanding risks, . 133,736 98 



METROPOLITAN PLATE-GLASS INSURANCE CO. OF NEW YORK. 277 



Commissions and brokerage, . 

Miscellaneous, 

Gross liabilities, except capital, 

Surplus as regards policy holders, 
Paid-up capital, .... 



$10,046 67 
3,756 50 



$149,740 15 

$362,934 59 
100,000 00 



Surplus over capital, $262,934 59 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Risks and Premiums. 

Premiums. 

. $9,959,961 00 $256,198 64 
. 12,346,898 00 304,502 43 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$22,306,859 00 $560,701 07 
11,733,284 00 293,227 12 



. $10,573,575 00 $267,473 95 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, . 



$3,411,623 00 

1,293,619 00 

268,000 00 

86,069 00 

27,200 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Fifth Ave. Bank, Brooklyn, stock, . . . $2,600 00 $2,000 00 

Brooklyn Bank, Brooklyn, stock, . . . 16,300 00 12,460 00 

Western Union Telegraph Co. stock, . . 8,389 24 9,000 00 

King's County Trust Co. stock, . . . 3,000 00 5,500 00 

Long Island Safe Deposit Co. stock, . . 2,512 50 1,500 00 

Municipal Electric Light Co. stock, . . . 9,772 50 12,510 00 

Brooklyn City Railroad stock, .... 8,325 00 9,750 00 

American District Telegraph Co. stock, . . 1,537 50 1,662 50 

Consolidated Gas Company stock, . . . 40,431 25 43,750 00 

Chicago & Northwestern R.R. stock, . . 10,775 00 12,100 00 

Brooklyn Union Gas Co. stock, . . . 20,362 50 23,600 00 

United States bonds, 116,625 00 111,500 00 

Brooklyn City and Newtown R.R. bonds, . 10,825 00 11,300 00 

Union Ferry Co. bonds 10,400 00 10,500 00 

Newburgh Electric R.R. stock, . . . 5,000 00 5,000 00 



$266,855 49 $272,132 50 



278 



MUTUAL BOILER INSURANCE COMPANY . 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April, 1877. Commenced business Jane, 1877.] 

Edward Atkinson, President. David W. Lane, Secretary. 

Office, 31 Milk Street. 



Income. 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all 
Profit on securities sold, . 
Received from inspection fees, 



Total iucome, 
Net or ledger assets Dec. 31, 1896, 



Total, 



sources, 



Disbursements 

Cash paid for matured claims, . 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries and expenses of officers 
for inspections, 
for taxes and fees, . 

for rent, 

for incidentals, 

Total disbursements, .... 

Balauce, 



$.519 34 
14,404 14 

$14,923 48 
610 57 

$14,312 91 
458 99 



and employees 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



Total, 

Deduct amount held account "test pipe covering, 11 

Total net or ledger assets, as per balance, 



$13,853 92 

430 99 

283 26 

63 50 

$14,631 67 
♦ 19,203 20 

$33,834 87 



$14,000 00 

1,225 34 

441 04 

1,743 33 

4,985 39 

149 06 

240 00 

1,073 91 

$23,858 07 

?9,976 80 



$4,305 00 

24 26 

5,702 54 

? 10,031 80 
55 00 

£9,976 80 



* Corrected from last year. 



NATIONAL SURETY COMPANY. 



279 



Other Assets. 

Interest accrued, 

Gross premiums in course of collection, . 

Total assets, per company's books, . 

Liabilities. 

Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, .... 

Surplus as regards policy holders, . 

Risks and Premiums. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



Miscellaneous 
Claims paid from organization of company, 
Claims incurred during the year, 



$2,948,900 00 
2,765,800 00 

$5,714,700 00 
2,997,500 00 



Schedule A. 
Bonds owned by the Company. 

Cost Value. 

Old Colony R.R. bonds, $4,305 00 



$80 00 
610 57 



t t 


• 


$10,667 


37 


$7,087 


50 






22 


04 






29 


65 










7,139 


10 









$3,528 18 

Premiums. 

$15,629 96 
14,404 14 



$30,034 10 
15,859 10 



$2,717,200 00 $14,175 00 



$14,362 00 
14,000 00 



Market Value. 

$4,400 00 



"NATIONAL SURETY COMPANY," NEW YORK, N. Y. 

[Incorporated Feb. 24, 1897. Commenced business June 9, 1897.] 

Paid-up Capital, $500,000. 

Chas. A. Dean, President. Ballard McCall, Secretary. 

Income. 



Premiums on risks written or renewed, . 
Deduct earned preni's exp'd on risks reins'd, 

Balance, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, 
Interest received on mort^a^es, 
Interest and dividends received from all other sources, . 



Fidelity and Surety. 

. $364,090 19 

96,763 91 

$267,326 28 

49,436 94 

$217,889 34 

12,926 32 



$204,963 02 

1,100 15 

11,552 93 



280 



NATIONAL SURETY COMPANY. 



Profit on securities sold, . 

Received from stockholders for surplus fund, 

Total income, 

Capital stock paid in, .... 



Total, 



Disbursements 
Cash paid for matured claims, . 

for commissions and brokerage, 

for salaries and expenses of officers and employees 

for taxes and fees, . 

for rent, .... 

for legal expenses, . 

for furniture and fixtures, 

for advertising and printing, 

for incidentals, 

Total disbursements, 



$426 66 
500,000 00 



$718,042 76 
500,000 00 



$1,218,042 76 

17,508 50 
18,297 91 
35,601 70 
5,108 73 
7,124 76 
2,957 15 
3,338 98 
6,324 24 
8,088 29 

$94,350 26 



Balance, $ 1,123,692 50 



Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule A), 
Cash deposited in bank, 



Total 

Other Assets 
Interest accrued, 

Market value of stocks and bonds over cost, 

Gross premiums in course of collection, . 

Total assets, per company^ books, . 
Deduct special deposits in other States, . 



Balance, 



Liabilities. 
Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Special res. for cont'g't claims on acct. reinsur, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital, 



$43,325 00 

1,072,625 75 

7,741 75 

$1,123,692 50 



6,643 99 

6,086 78 

49,436 94 

$1,185,860 21 
53,183 00 

$1,132,677 21 



$4,657 18 

112,797 97 

2,552 00 

2,127 36 

23,687 24 

$145,821 75 
33,500 00 



112,321 75 

$1,020,355 46 
500,000 00 

$520,355 46 



NEW ENGLAND BURGLARY INSURANCE CO. OF BOSTON. 281 



Risks and Premiums. 
Fidelity and Surety. 



Risks written during 1897, 

Deduct risks expired and terminated, 

In force at end of year, 



Premiums. 

.$95,001,418 00 $364,090 19 
. 33,583,953 00 138,494 24 



,417,465 00 8225,595 95 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$204,963 00 

68 00 

4,725 00 

310,400 00 



Schedule A. 

Bonds owned by the Company. 

Cost Value. 

United States bonds, 

New York city bonds, .... 
City of Brooklyn bonds, .... 



Market Value. 



$171,482 00 $175,012 00 

803,868 75 806,926 03 

97,275 00 96,774 50 



$1,072,625 75 $1,078,712 53 



« NEW ENGLAND BURGLARY INSURANCE COMPANY OF BOSTON." 

[Incorporated March, 1894. Commenced business December, 1895.] 

Paid-up Capital, $200,000. 

William H. Brewster, President. James E. Whitney, Jr., Secretary. 

Principal Office, 1 7 Exchange Place. 



Income. 
Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all 
Profit on securities sold, . 
Received from all other sources, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 

Total, .,..,. 



$11,185 35 
45,963 70 

$57,149 05 
2,324 93 

$51,824 12 
34,935 04 



sources, 



$19,889 08 

7,187 88 

45 00 

333 72 



$27,455 68 
203,374 38 

$230,830 06 



282 NEW ENGLAND BURGLARY INSURANCE CO. OF BOSTON. 



Disbursements. 
Cash paid for matured claims, .... $31,645 80 
Deduct salvage and reinsurance, ... 93 25 

Net cash paid for matured claims, . . $31,552 55 

Cash paid for commissions and brokerage, .... 2,253 50 

for salaries and expenses of officers and employees, 11,353 13 

for taxes and fees, 4,941 11 

for rent 2,704 14 

for advertising and printing, 4,337 18 

for borrowed money repaid, 10,000 00 

for incidentals, 2,813 00 

Total disbursements, $69,954 61 

Balance, $160,875 45 

Invested in the following : — 

Assets as per Ledger Accounts. 



Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



$159,666 25 
433 83 
775 37 



Total, $160,875 45 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over cost, 

Gross premiums in course of collection, . 

Total assets, per company's books, . 



1,715 84 
1,236 25 
2,324 93 

$166,152 47 



Liabilities. 

Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Return premiums, .... 
Due for reinsurance, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, 
Paid-up capital, 



$1,618 


94 


4,874 29 


82 


70 


531 


29 


2,799 


01 


642 


27 



10,548 50 

£155,603 97 
200,000 00 



Impairment of capital, 



$44,396 03 



NEW ENGLAND BURGLARY INSURANCE CO. OF BOSTON. 283 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Risks and Premiums. • 

Premiums. 

. $7,868,932 74 $60,214 17 
. 6,056,042 34 45,963 70 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force,* 



.$13,924,975 08 $106,177 87 
. 8,718,907 50 67,151 50 



. $1,610,552 26 



. $5,206,067 58 $39,026 37 
. 3,595,515 32 29,277 79 



>,748 58 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, . 
Company's stock owned by directors, 



$114,721 00 

42,132 00 

32,850 00 

159,000 00 



Schedule A. 



United States bonds, . 
Aroostook County, Me., bonds, 
City of Holyoke, Mass., bonds, 
City of Boston, Mass., bonds, . 
City of Providence, R. I., bonds, 
Town of Natick, Mass., bonds, . 
City of Newton, Mass., bonds, . 
City of Brockton, Mass , bonds, 
Boston & Albany R.R. bonds, . 
Maine Central R R. bonds, 
Boston & Maine R R. bonds, . 
Old Colony R.R. bonds, . 



Bonds owned by the Company. 

Cost Value. 

$27,718 75 

16,275 00 

13,991 25 

27,437 50 

5,225 00 

10,650 00 

13,910 00 

15,787 50 

10,637 50 

5,081 25 

2,102 50 

10,850 00 



Market Value. 

$28,250 00 

16,237 50 

14,300 00 

27,250 00 

5,225 00 

10,800 00 

13,992 50 

16,087 50 

10,600 00 

5,200 00 

2,160 00 

10,800 00 



$159,666 25 $160,902 50 



* This represents Massachusetts business alone, all risks outside of Massachusetts having been 
reinsured by "The Fidelity and Casualty Company." 



284 THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY. 



"THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated April 2, 1868. Commenced business Sept. 15, 1868.] 

Paid-up Capital, $100,000. 

Samuel C. Hoagland, President. James S. Hedden, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1896, . . $14,924 25 
Premiums on risks written or renewed, . . 82,323 98 

Total, $97,248 23 

Premiums now in course of collection, . . 16,703 54 

Entire premiums collected, . . . |80,544 69 
Less reinsurance and return premiums, . . 2,569 98 

Net cash premiums received, . . . 877,974 71 

Interest received on mortgages, 6,486 50 

Interest and dividends received from all other sources, . 49 69 

Income from rents, 171 00 



Total income, $84,681 90 

Net or ledger assets Dec. 31, 1896, 145,788 30 



Total, $230,470 20 

Disbursements. 

Cash paid for matured claims, .... $30,073 05 
Deduct salvage and reinsurance, . . . 4,983 04 

Net cash paid for matured claims, . . $25,090 01 

Cash dividends paid, 5,937 00 

Cash paid for commissions and brokerage, .... 24,869 50 

for salaries and expenses of officers and employees, 8,316 58 

for taxes and fees, 3,612 25 

for rent, 746 50 

for legal expenses, 19 00 

for real estate expenses, 528 27 

for furniture and fixtures, 229 25 

for advertising and printing, 1,031 06 

for incidentals, 4,863 73 

Total disbursements, $75,243 15 

Balance, 8155,227 05 



THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY. 285 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Cash in company's office, .... 
Cash deposited in bank, .... 

Bills receivable, 

Agents 1 debit balances, .... 

Total, 

Deduct agents 1 credit balances, 

Total net or ledger assets, as per balance, 

Other Assets. 

Interest due and accrued, 

Market value of real estate over cost, 
Gross premiums in course of collection, . 

Total assets, per company^ books, . 

Items not admitted. 



Agents 1 debit balances, 
Bills receivable, 

Premiums over three months due, 
Total, 



Total admitted assets, 

Liabilities. 
Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



$23 60 

345 42 

4,495 36 



$747 59 

41,390 46 

63 00 

718 73 

3,574 88 



Surplus over capital, . 



Risks and Premiums. 



Risks outstanding Dec 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$2,931,916 00 
3,249,399 00 

$6,181,315 00 
2,825,598 00 

$3,355,717 00 
5,289 00 



$4,579 05 

135,095 00 

1,748 70 

13,477 20 

345 42 

23 60 

$155,268 97 
41 92 

§155,227 05 



1,557 98 

2,420 95 

16,703 54 

#175,909 52 



4,864 38 



$171,045 14 



46,494 66 

$124,550 48 
100,000 00 

§24,550 48 



Premiums. 

$76,559 85 
82,323 98 

$158,883 83 
75,942 46 

$82,941 37 
35 25 



$3,350,428 00 $82,906 12 



286 THE NEW YORK PLATE-GLASS INSURANCE COMPANY. 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, . . . . 



£029,022 00 

212,161 00 

64,828 00 

24,974 00 

80,310 00 



"THE NEW YORK PLATE GLASS INSURANCE COMPANY/' NEW 

YORK, N. Y. 

[Incorporated March 19, 1891. Commenced business March 19, 1891.] 

Paid-up Capital, $100,000. 

Max Danziger, President. Major A. White, Secretary. 

Income. 

Premiums outstanding Dec. 31, 1896, . . 844,617 09 
Premiums on risks written or renewed, . . 275,211 23 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest and dividends received from all 
Profit on securities sold, . 
Received from all other sources, 

Total income, 
Net or ledger assets Dec. 31, 1896, . 



Total, 



S3 19,828 32 
41,043 56 

$278,784 76 
58,888 46 



sources, 



£65,952 60 
2,718 18 



Disbursements. 

Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . . 

Cash dividends paid, . 

Cash paid for commissions and brokerage, .... 

for salaries and expenses of officers and employees, 

for taxes and fees, 

for rent, 

for legal expenses, ....... 

for furniture and fixtures, ..... 

for advertising and printing, 

for incidentals, 



£219,896 30 

12,725 23 

952 50 

100 00 

$233,674 03 

200,563 73 

|524,237 76 



$63,234 42 

10,000 00 

58,530 98 

do t bo6 65 

5,424 83 

3,718 92 

42 14 

457 38 

1,237 11 

8,470 94 



Total disbursements, $186,673 



ot 



Balance, ?337,564 39 



THE NEW YORK TLATE-GLASS INSURANCE COMPANY. 287 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), 

Cash in comjmny's office, 

Cash deposited in bank, 



$316,310 99 

2,158 82 

19,094 58 



Total, $337,564 39 

Other Assets. 
Gross premiums in course of collection, 41,043 56 

Total assets, per company's books, $378,607 95 

Items not admitted and Depreciation. 

Premiums over three months due, . . . $2,097 64 

Depreciation from cost of assets, . . . 460 99 

Total, 2,558 63 

Total admitted assets, . $376,049 32 



Liabilities. 

Claims adjusted or in process, .... $1,005 50 

Unearned premiums on outstanding risks, . 110,851 25 

Dividends to stockholders unpaid, . . . 5,000 00 

Due and accrued for rent, salaries, etc., . . 482 46 

Return premiums, 702 80 

Commissions and brokerage, .... 10,876 53 
Gross liabilities, except capital, 

Surplus as regards policy holders, 
Paid-up capital, .... 



Surplus over capital, 



128,918 54 

$247,130 78 
100,000 00 

$147,130 78 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Risks and Premiums. 

Premiums. 

. $8,729,022 00 $215,458 69 
. 11,701,123 00 275,211 23 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$20,430,145 00 $490,669 92 
10,916,882 00 268,967 41 



$9,513,263 00 $221,702 51 



Miscellaneous. 

Premiums received from organization of company, 

Claims paid from organization of company, . 

Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, .... 



$1,192,532 00 

359,514 00 

32,500 00 

61,860 00 

50,800 00 



288 THE OCEAN ACCIDENT AND GUARANTEE CORP'N, LIMITED. 



Schedule A. 



Stocks and Bonds owned by the Company. 



Chicago, Milwaukee & St. Paul R R. stock, . 
Central Park, North & East River R.R. stock, 
Chicago & Northwestern R.R. stock, 
Rensselaer & Saratoga R.R. stock, . 
New York Mutual Gas Light stock, 
Consolidated Gas Co. stock, 
United States bonds, .... 
Chicago, Rock Island & Pacific R.R. bonds, 
Seattle, Lake Shore & Eastern R.R. bonds, 
Northern Pacific Terminal bonds, . 
Laclede Gas Light Co. bonds, . 
Edison Electric 111. Co. bonds, . 
New York, Susquehanna & Western R.R. b'ds, 



Cost Value. 

$25,700 00 

16,188 49 

14,612 50 

18,300 00 

25,210 00 

40,237 50 

120,625 00 

9,722 50 

4,990 00 

10,556 25 

8,756 25 

10,775 00 

10,637 50 



Market Value. 

$ 28,550 00 
17,500 00 
16,400 00 
18,000 00 
30,000 00 
36,000 00 

113,750 00 
10,775 00 
2,000 00 
10,600 00 
10,375 00 
11,200 00 
10,700 00 



$316,310 99 $315,850 00 



UNITED STATES BRANCH OF "THE OCEAN ACCIDENT AND 
GUARANTEE CORPORATION (LIMITED)," OF LONDON, 

ENGLAND. 

Deposit, $200,000. 

Oscar Ising, Resident Manager. 
Office, 346 Broadway, New York, N. Y. 



L\COME. 

Premiums outstanding Dec. 31, 1896, 

on risks written or renewed, 
paid in advance, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 

Interest, 

Received from sale of furniture, 
Received from home office, 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



Credit Insurance. 

$1,050 00 

130,164 16 

2,650 00 

$ 133,864 16 
500 00 

$133,364 16 
125 00 



$133,239 16 

247 31 

14 00 

111,500 00 

$245,000 47 
267,006 12 



Total, $512,006 59 



THE OCEAN ACCIDENT AND GUARANTEE CORP'N, LIMITED. 289 



Disbursements. 

Cash paid for matured claims, .... $18,386 40 
Deduct salvage and reinsurance, . . . 386 99 

Net cash paid for matured claims, . . $17,999 41 

Cash paid for commissions and brokerage, .... 19,440 86 

for salaries and expenses of officers and employees, 12,040 45 

for taxes and fees, 941 83 

for rent 2,507 00 

for legal expenses, 509 15 

for furniture and fixtures, 483 50 

for advertising and printing, 867 46 

for incidentals, 24,241 71 

Total disbursements, $79,03137 

Balance $432,975 22 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . $408,941 84 

Cash in company's office, 300 00 

Cash deposited in bank, 22,224 71 

Bills receivable, 925 00 

Agents 1 debit balances, 583 67 

Total, $432,975 22 

Other Assets. 

Market value of stocks and bonds over cost, .... 888 03 

Gross premiums in course of collection, 500 00 



Total assets, per company's books, $134,363 25 



Items not admitted. 

Cash not in control of trustees, . . . $22,524 71 
Agents' debit balances, . . . . . 583 67 

Bills receivable, 925 00 

Total, 24,033 38 

Total assets, $410,329 87 

Deduct special deposits in other States, 112,750 00 

Balance, $297,579 87 



290 THE STANDARD LIFE AND ACCIDENT INSURANCE COMPANY. 



Liabilities. 
Unearned premiums on outstanding risks, 
Deduct liability on special deposits, . 

Surplus as regards policy holders, . 
Deposit capital, 



$60,748 74 
3,990 00 



$56,758 74 

?240,821 13 
200,000 00 



Surplus over capital, $40,821 13 



Risks and Premiums. 
Credit Insurance. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total 

Deduct risks expired and terminated, 



$1,091,000 00 
2,524,000 00 

£3,615,000 00 
1,280,000 00 



Premiums. 

$55,087 50 
130,164 16 

$185,251 66 
63,754 17 



In force at end of year, 

Miscellaneous 
Claims incurred during the year, 

SCHEDrLE A. 
Bonds owned by the Company. 

Co9t Value. 

New York city bonds, $208,812 37 

United States bonds, 111,500 00 

Chesapeake and Ohio R.R. bonds, . . . 16,200 00 

Central R.R. of New Jersey bonds, . . . 17,550 00 

Wilmington & Weldon R.R. bonds, . . . 15,556 68 

Chic, Mil. & St. Paul R.R. bonds, . . . 13,415 00 

Ohio & Mississippi R.R. bonds, . . . 25,907 79 



§2,335,000 00 $121,497 49 



$17,999 00 



Market Value. 

§208,812 37 
112,750 00 
16,987 50 
16,700 00 
15,300 00 
13,780 00 
25,500 00 



$408,941 84 $409,829 87 



"THE STANDARD LIFE AND ACCIDENT INSURANCE COMPANY,• , 

DETROIT, MICH. 

[Incorporated May 29, 1884. Commenced business Aug. 1, 1S84.] 
Paid-up Capital, $200,000. 
D M. Ferry, President. E. A. Leonard, Secretary. 

Income. 

Ace. and Emp. Liab. 

Premiums outstanding Dec. 31, 1896, . . £215,679 99 
Premiums on risks written or renewed, . . 1,171.836 48 



Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 



f 1,387,516 47 
236,624 22 

£1,150,892 25 
194,321 94 



$956,570 31 



THE STANDARD LIFE AND ACCIDENT INSURANCE COMPANY. 291 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$14,996 42 
11,518 94 



Total income, .... 
Net or ledger assets Dec. 31, 1896, . 



3,085 67 
639,732 78 



Total, $1,622,818 45 



Disbursements. 

Cash paid for matured claims, 

for commissions and brokerage, 

for salaries and expenses of officers and employees 

for medical examiner's fees, .... 

for inspections, 

for taxes and fees, 

for rent, 

for legal expenses, 

for furniture and fixtures, .... 
for advertising and printing, .... 
for depreciation of securities, 
for incidentals, 

Total disbursements, 



Balance, 



$525,531 74 

238,038 37 

93,384 71 

7,686 55 

12,876 21 

27,815 57 

11,566 18 

11,079 36 

161 10 

20,752 97 

1,000 00 

22,638 72 

$972,531 48 

$650,286 97 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, . 
Cash deposited in bank, . 
Bills receivable, 
All other items, . 



Total, . 



$25,713 62 

325,810 42 

235,400 00 

6,911 27 

55,617 86 

15 00 

818 80 

$650,286 97 



Other Assets. 

Interest accrued, 

Gross premiums in course of collection, . 

Total assets, per company's books, . 



22,233 03 
236,624 22 

$909,144 22 



Items not admitted. 



Bills receivable, 



Total admitted assets, 
Deduct special deposits in other States, . 



15 00 



$909,129 22 
64,400 00 



Balance, $844,729 22 



292 THE STANDARD LIFE AND ACCIDENT INSURANCE COMPANY. 



Liabilities. 
Claims adjusted or in process, . 

known or reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, 
Paid-up capital, .... 



$4,275 00 

18,010 50 

104,150 00 

449,222 66 

58,225 44 

$633,883 60 
61,928 10 



Surplus over capital, . 

Risks and Premiums. 
Accident and Employers' Liability. 
Risks outstanding Dec. 31, 1896, . . $116,208,700 00 



Risks written during 1897, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



176,075,550 00 



$571,955 50 

$272,773 72 

200,000 00 

$72,773 72 



Premiums. 

$871,057 60 
1,171,836 48 



$292,284,250 00 $2,042,894 08 
174,001,950 00 1,144,448 76 



$118,282,300 00 $898,445 32 



Miscellaneous. 

Premiums received from organization of company, . . $8,011,253 00 
Claims paid from organization of company, .... 3,948,576 00 
Cash dividends declared from organization of company, . 48,000 00 

Claims incurred during the year, 525,532 00 

Company's stock owned by directors, 138,000 00 

Schedule A. 
Bonds owned by the Company. 

Cost Value. 

$10,710 00 



Muskegon city bonds, 

Plymouth water bonds, 

Nashville trunk sewer bonds, . 

Santa Fe, Prescott & Phoenix R.R. bonds 

Menominee school bonds, 

Cuyahoga County bonds, . 

Hamilton County bonds, . 

Stanton city bonds, . 

Sioux city bonds, 

Dubuque refunding bonds, 

Salt Lake City bonds, . • . 



26,250 00 
50,000 00 
17,000 00 
11,390 00 
27,375 00 
25,625 00 
10,650 00 
10,250 00 
25,750 00 
20,400 00 



Market Value. 

$10,750 00 
25,500 00 
50,000 00 
17,000 00 
11,350 00 
27,375 00 
26,587 50 
10,437 50 
10,250 00 
25,750 00 
20,400 00 



$235,400 00 $235,400 00 



THE TRAVELERS INSURANCE COMPANY. 



293 



"THE TRAVELERS INSURANCE COMPANY," HARTFORD, CONN. 

[Accident Department.] 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 
Paid-up Capital, $1,000,000. 



James G. Batterson, President. 



George Ellis, Secretary. 



Income. 



Premiums on risks written or renewed, . 
Less reinsurance and return premiums, . 

Net cash premiums received, ... . - 
Interest and dividends received from all sources, 
Received from all other sources, 



Ace. and Emp. Llab. 

$3,041,138 58 

72,685 96 



$1,382,338 95 
432 14 



Total income, 

Net or ledger assets Dec. 31, 1896, . 

Total, 

Disbursements. 
Cash paid for matured claims, .... 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers and employees 

for medical examiner's fees, . 

for inspections, 

for taxes and fees, . 

for rent, 

for legal expenses, . 

for furniture and fixtures, 

for advertising and printing, . 

for incidentals, 



$2,968,452 62 

149,715 46 

5,024 01 

$3,123,192 09 
3,429,399 35 

16,552,591 44 



Total disbursements, 
Balance, 



$1,381,906 81 

75,000 00 

819,483 99 

176,312 67 

29,158 10 

10,439 71 

50,761 25 

25,271 93 

88,148 83 

5,456 44 

47,120 32 

64,556 94 

82,773,616 99 

$3,778,974 45 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of stocks and bonds owned (schedule A), . f 3,521, 106 64 

Cash in company's office, 877 03 

Cash deposited in bank, 256,990 78 



Total,. 



. $3,778,974 45 



294 THE TRAVELERS INSURANCE COMPANY. 



Other Assets. 

Interest accrued, $35,058 09 

Market value of stocks and bonds over cost, .... 28,048 88 



Total assets, per company's books, $3,842,081 42 

Deduct special deposits in other States, 50,000 00 



Balance $3,792,081 42 



LlABILITII 

Claims adjusted or in process, .... $37,600 00 

known or reported, » 26,846 10 

disputed or resisted, .... 426,787 74 

Unearned premiums on outstanding risks, . 1,365,817 22 

Due and accrued for rent, salaries, etc., . . 85,000 00 



Gross liabilities, except capital, . . f 1,942,051 06 
Deduct liability on special deposits, . . 48,817 58 



1,893,233 48 



Surplus as regards policy holders, $1,898,847 94 

Paid-up capital, 1,000,000 00 



Surplus over capital, $898,847 94 

Risks and Premiums. 
Accident and Employers' Liability. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



Premiums. 

$355,226,157 00 $2,058,827 91 
588,127,788 00 3,041,138 58 



$943,353,945 00 £5,099,966 49 
583,065,712 00 3,025,025 60 



$360,28S,233 00 $2,074,940 89 
1,113,500 00 4,235 83 



Net amount in force, .... $359,174,733 00 §2,070,705 06 



Miscellaneous. 

Premiums received from organization of company, . $48,536,390 00 

Claims paid from organization of company, .... 21,210,096 00 

Cash dividends declared from organization of comj^any, . 1,833,000 00 

Claims incurred during the year, 1,452,501 00 

Company's stock owned by directors, 87,300 00 



THE TRAVELERS INSURANCE COMPANY. 



295 



Schedule A. 

Stocks and Bonds owned by the Company. 



United States bonds, . 

Colorado State warrants, . 

Tennessee State bonds, 

Johnson County, 111., bonds, 

White County, 111., bonds, 

Lucas County, Ohio, bonds, 

Hamblen County, Tenn , bonds 

Henderson County, N. C, bonds, 

Llano County, Texas, bonds, 

Montrose County, Col., bonds, 

Mesa County, Col., bonds, 

Rio Arriba County, N. M., bonds, 

School District No. 7, Cass Co , N. D., bonds, 

School Dist. No. 1, Montrose Co., Col., bonds, 

School Dist. No. 81, Spokane Co., Wash., war., 

Reidsville, N. C, town bonds, . 

Howard Township, Kan., bonds, 

Paw Paw Township, Kan., bonds, 

Parsons, Kan., city bonds, . 

Lima, Ohio, city bonds, 

Richmond, Va , city bonds, 

Salisbury, N. C, city bonds, 

Fort Worth, Texas, city bonds, 

Bastrop, Texas, city bonds, 

Houston, Texas, city bonds, 

El Paso, Texas, city bonds, 

Cartersville, Ga., city bonds, 

Dalton, Ga., city bonds, 

Cedar Rapids, Iowa, city warrants, 

New Orleans city certificates, . 

Pittsburg, Cin., Chic. & St. Louis R.R. bonds, 

Chicago, Burlington & Quincy R.R bonds, 

Montana Central R.R bonds, . 

Indiana & Lake Michigan R.R. bonds, 

Chicago & Northwestern R.R. bonds, 

Cleveland, Lorain & Wheeling R.R. bonds, 

Willmar & Sioux Falls R.R. bonds, . 

Cleveland, Ohio, Electric R.R. bonds, 

Hart , Manch. & Rockville Tram. Co. bonds, 

West Chicago Street RaiPy Tunnel Co. bonds, 

Chicago & North Shore Street R'y Co. bonds, 

N. Y., N. H. & Hart. R.R. con. deb. certifs, . 

Northwestern Telegraph Co. bonds, 

Galveston Wharf Co. bonds, . 



Cost Value. 

$13,500 00 

37,081 69 

23,700 00 

5,385 61 

8,060 44 

51,000 00 

25,000 00 

55,900 00 

59,125 00 

5,200 00 

7,000 00 

1,896 00 

23,000 00 

3,500 00 

9,954 01 

25,000 00 

20,441 43 

6,813 50 

20,000 00 

15,980 00 

53,377 50 

40,086 00 

17,980 80 

15,525 00 

40,000 00 

26,062 50 

24,375 00 

17,675 00 

20,006 84 

95,301 26 

30,000 00 

24,000 00 

56,750 00 

50,000 00 

52,500 00 

52,625 00 

52,500 00 

50,450 00 

10,000 00 

50,500 00 

26,500 00 

83,272 50 

51,318 00 

50,000 00 



Market Value. 

$14,000 00 

37,282 91 

21,804 00 

6,000 00 

8,500 00 

50,000 00 

26,250 00 

55,900 00 

59,085 00 

5,200 00 

7,000 00 

2,200 00 

23,000 00 

3,500 00 

9,954 01 

25,000 00 

27,510 00 

9,170 00 

22,475 00 

16,000 00 

55,080 00 

45,000 00 

17,400 00 

15,525 00 

40,000 00 

26,062 50 

25,000 00 

17,675 00 

20,006 84 

95,301 26 

30,000 00 

30,143 75 

62,000 00 

40,000 00 

58,500 00 

51,500 00 

54,500 00 

52,000 00 

10,000 00 

50,500 00 

25,750 00 

90,312 50 

49,500 00 

50,000 00 



296 



UNION CASUALTY AND SURETY COMPANY. 



1,200 

1,000 

400 

4,813 

200 

2,000 

200 

266 

100 

400 

500 

250 

368 

700 

491 

817 

348 

200 

140 

266 

50 

30 

100 

730 

100 

500 

2,000 

2,000 

2,142 



shares Chicago, Burl. & Quincy R R , 
" Pitts., Fort Wayne & Chic. R.R., 
" Illinois Central R.R., . 
" Pennsylvania R.R., 
M Union Pacific R.R , 
" Chic, Milwaukee & St. Paul R R. 
" Chicago & Northwestern R.R., 

Chicago & Alton R.R., . 

Illinois Central R.R , . 
" Oswego & Syracuse R R , . 
" Central R R. of New Jersey, 
" Delaware & Hudson Canal Co., 
" F.'s & Mech 's Nat'l B'k, Hartf d 
" American Nat'l Bank, Hartford, 
" City National Bank, Hartford, 
" Phoenix National Bank, Hartford 
" iEtna National Bank, Hartford, 
" Mercantile Nat'l Bank, Hartford 

New Britain N'l B'k, New Britain 
" Home National Bank, Meriden, 
" Meriden National Bank, Meriden 
" First National Bank, Meriden, 

Nat'l Bank of Commerce, N. Y., 
M Nat'l Shoe & Leather Bank, N. Y 
" St. Paul Nat'l B'k, St. Paul, Minn 

Hartford Trust Co., Hartford, 
" Western Union Telegraph Co , 
" Northwestern Telegraph Co., 
" Colo. Valley Land Co., Denver, 



Cost Value. 

$133,087 25 

173,250 00 

50,689 58 

277,955 17 

26,462 50 

215,884 75 

23,268 75 

28,706 25 

8,644 00 

40,600 00 

53,437 50 

29,656 25 

48,806 87 

44,054 00 

54,001 75 

117,085 00 

44,261 62 

10,182 00 

17,540 00 

36,467 67 

6,050 00 

4,550 00 

13,975 00 

110,125 00 

10,000 00 

49,878 15 

163,102 00 

106,842 50 

214,200 00 



Market Value. 

1119,700 00 

169,000 00 

41,500 00 

275,544 25 

5,075 00 

251,900 00 

32,600 00 

43,424 50 

9,500 00 

40,600 00 

47,750 00 

28,000 00 

41,584 00 

48,300 00 

51,064 00 

104,576 00 

48,720 00 

6,000 00 

23,100 00 

33,250 00 

5,500 00 

3,750 00 

21,100 00 

70,080 00 

7,000 00 

72,500 00 

182,250 00 

110,000 00 

214,200 00 



$3,521,106 64 $3,549,155 52 



"UNION CASUALTY AND SURETY COMPANY," ST. LOUIS, MO. 

[Incorporated Dec. 29, 1892. Commenced business April 18, 1S93] 
Paid-up Capital, $250,000. 



C. P. Ellerbe, President. 



Prem's outst'd'g Dec 31, 1896, 
Prem's on risks writ'n or ren'd, 

Total, 

Prem's now in course of coll'n, 

Entire premiums collected, 
Less reinsur. and return prem's, 



John Greenough, Secretary. 
Income. 

Plate Glass. Steam Boiler. 

$21,535 03 $12,630 53 
98,755 15 46,806 29 



$120,290 18 
22,507 35 

$97,782 83 
18,797 28 



$59,436 82 
11,519 27 

$47,917 55 
8,608 58 



Net cash premiums rec'd, . $78,985 55 $39,308 97 



$118,294 52 



UNION CASUALTY AND SURETY COMPANY. 297 

Ace. and Emp. Liab. 

Premiums outstanding Dec. 31, 1896, . . 8226,386 58 
Premiums on risks written or renewed, . . 883,680 44 



Total, $1,110,067 02 

Premiums now in course of collection, . . 240,739 77 



Entire premiums collected, . . . $869,327 25 
Less reinsurance and return premiums, . . 174,263 02 

Net cash premiums received, . . , $695,064 23 

Cash premiums received for surety business, . . . . 131 50 

Interest received on mortgages, 10,166 64 

Interest and dividends received from all other sources, . . 11,936 13 

Profit on securities sold, 250 00 

Total income $835,843 02 

Net or ledger assets Dec. 31, 1896, 538,992 80 

Total, , $1,374,835 82 

Disbursements. 

_ _ ., m f Accident and emp. liab., $449,313 23 

Cash paid for ma-| Plat j . . . 24j405 80 

tared claims, • ! Steam boilei . . . . 163 35 

$473,882 38 

Cash paid for commissions and brokerage, .... 243,824 82 

for salaries and expenses of officers and employees, 63,603 73 

for inspections, 12,186 41 

for taxes and fees, 20,580 21 

for rent, 4,360 92 

for legal expenses, 9,715 49 

for furniture and fixtures, 294 00 

for advertising and printing, 8,320 05 

for loss on securities sold, 70 00 

for adjusting losses and claims, .... 23,698 07 

for incidentals, 10,616 24 



Total disbursements, $871,152 35 



Balance, $503,683 47 

Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgage of real estates (first liens), 



Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

Cash deposited in bank, 



$174,137 50 

283,362 50 

1,470 43 

44,713 04 



Total, $503,683 47 



298 UNION CASUALTY AND SURETY COMPANY. 



Other Assets. 

Interest due and accrued, $3,111 42 

Market value of stocks and bonds over cost, .... 9,327 50 

Gross premiums in course of collection, 274,766 39 



Total assets, per company's books, $790,888 78 



Liabilities. 

Claims ad- f Accident, . . $6,36897 
justed or in i Burglary, . . 9,250 20 

process, . ^ Plate glass, . 808 00 

$16,427 17 



Claims re- ^ Ace. andemp.liab., $76,01200 
sisted, . I Burglary, . . 1,037 00 



77,049 00 



Unearned premiums on outstanding risks, . 315,910 83 
Due and accrued for rent, salaries, etc., . . 686 60 

Commissions and brokerage, .... 71,986 24 

Gross liabilities, except capital, . . 482,059 84 



Surplus as regards policy holders, *$308,828 94 

Paid-up capital, 250,000 00 



Surplus over capital, $58,828 94 

Risks and Premiums. 

Accident and Employers' Liability. 

Premiums. 

Risks outstanding Dec. 31, 1896, . . $74,894,516 00 8554,397 42 

Risks written during 1897, . . . 117,071,849 00 883,680 44 



Total, $191,966,365 00 $1,438,077 86 

Deduct risks expired and terminated, . 109,356,918 00 913,102 81 



In force at end of year, . . . $82,609,447 00 $524,975 05 



Plate Glass. 

Risks outstanding Dec. 31, 1896, . . $1,249,147 00 $77,500 26 

Risks written during 1897, . . . 1,919,024 00 98,755 15 



Total $3,168,171 00 $176,255 41 

Deduct risks expired and terminated, . 1,613,914 00 96,223 33 



In force at end of year, . . . $1,554,257 00 $80,032 08 



UNITED STATES CASUALTY COMPANY. 



299 



Steam Boiler. 

Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Surety. 

Risks written during 1897, 

Deduct risks expired and terminated, 



$10,658,696 00 
13,162,349 00 

$23,821,045 00 
12,882,200 00 



$13,150 00 
13,150 00 



Premiums. 

$23,456 34 
46,806 29 

$70,262 63 
43,448 10 



$10,938,845 00 $26,814 53 



$131 50 
131 50 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



. $3,274,612 00 

. 1,606,039 00 

. 473,882 00 

81,500 00 



Schedule A. 
Bonds owned by the Company. 

Cost Value. 

St. Louis city bonds, $250,000 00 

St Louis Brewing Association bonds, . . 9,735 00 

St. Louis United Elevator Co. bonds, . . 400 00 

Seattle Lake, Washington, waterway bonds, . 1,000 00 

Union Depot Railroad bonds, .... 22,227 50 



Market Value. 

$258,125 00 

9,750 00 

400 00 

1,000 00 

23,415 00 



$283,362 50 $292,690 00 



"UNITED STATES CASUALTY COMPANY," NEW YORK, N. Y. 

[Incorporated May 2, 1895. Commenced business May 3, 1895.] 

Paid-up Capital, $300,000. 

James W. Hinkley, President. Edson S. Lott, Secretary. 

Income. 



Prem's outst'd'g Dec. 31, 1896, 
Premiums written 1897, , 

Total, .... 
Prem's in course of collection, 

Premiums collected, . 
Less reinsurance, etc., 

Net cash premiums rec'd, 



Ace. and Emp. Liab. 

$98,790 68 
876,343 81 

$975,134 49 
87,883 84 

$887,250 65 
238,498 98 

$648,751 67 



Burglary. 

$6,931 81 
22,051 96 

$28,983 77 



$28,983 77 
28,983 77 



300 



UNITED STATES CASUALTY COMPANY. 



Prom's outst'd'g Dec. 31, 1896, 
Premiums written 1897, . 

Total 

Prem's in course of collection, 

Premiums collected, . 
Less reinsurance, etc., 

Net cash premiums rec'd, 



Steam Boiler. 

$5,189 96 
26,374 33 

$31,564 29 
7,034 12 

$24,530 17 
7,177 31 



Sprinkler. 

$5,510 95 
36,905 28 

$42,416 23 
6,564 75 

$35,851 48 
13,942 65 



$17,352 86 $21,908 83 



Interest and dividends received from all sources, 
Profit on securities sold, .... 



Total income, . . . . 
Net or ledger assets Dec. 31, 1896, . 



Total, 



Disbursements 

Cash paid f01 . f Accident and emp.liab., 

. , Burglary, 

matured^ . & J „ 
claims, . | Steam boiler,. . . 
^Sprinkler, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers 

for inspections, 

for taxes and fees, . 

for rent, .... 

for legal expenses, . 

for advertising and printing, 

for incidentals, 



Total disbursements, 
Balance, 



$688,013 36 
18,292 99 
21,998 44 

$728,304 79 
557,002 52 

$1,285,307 31 



$224,957 12 

15,464 51 

3 00 

3,933 22 



and employees, 



$244,357 85 

165,053 16 

103,300 02 

9,064 62 

13,100 56 

12,333 35 

1,437 41 

17,636 56 

28,829 29 

$595,112 82 

$690,194 49 



Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgage of real estate (first liens), 
Cost value of stocks and bonds owned (schedule A), 
Cash in company's office, 
Cash deposited in bank, 
Agents' debit balances, 

Total, . 
Deduct deposit, . 

Total net or ledger assets, as per balance, 



$6,750 00 

614,760 31 

8,244 49 

60,399 83 

222 24 

$690,376 87 
182 38 

$690,194 49 



UNITED STATES CASUALTY COMPANY. 



301 



Other Assets. 

Interest accrued, 

Gross premiums in course of collection, . 

Total assets, per company's books, . 



$3,831 32 
101,482 71 

$795,508 52 



Items not admitted and Depreciation. 

Agents 1 debit balances, ..... $222 24 

Premiums over three months due, . . . 1,301 09 

Depreciation from cost of assets, . . . 412 50 

Total, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



1,935 83 



$793,572 69 
17,100 00 

$776,472 69 



Liabilities. 

Claims adjusted or ( Ac<x and e , m P- liab - 

s Steam boiler, . 
in process, . . / ' 

v Sprinkler, 
Claims disputed or J Ace. and emp. liab., 

resisted, . . ) Sprinkler, 
Unearned premiums on outstanding risks, 
Due for reinsurance, 
Commissions and brokerage, . 
Reserve for contingencies, 
Miscellaneous, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, 
Paid-up capital, .... 



Surplus over capital, 



$32,080 00 

185 00 

35 00 

35,125 00 

8,000 00 

290,367 36 

1,680 90 

25,045 40 

10,000 00 

1,024 18 

$403,542 84 
3,550 09 



Risks and Premiums. 

Accident and Employers'* Liability. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$178,295,777 00 

427,137,600 00 

$605,433,377 00 

406,920,827 00 

$198,512,550 00 

45,000 00 



399,992 75 



$376,479 94 
300,000 00 

,479 94 



Premiums. 

$426,150 36 
876,343 81 

$1,302,494 17 
779,949 76 

$522,544 41 
680 00 



$198,467,550 00 $521,864 41 



302 



UNITED STATES CASUALTY COMPANY. 



Burglary. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



$11,424,714 00 
3,356,101 00 

$14,780,815 00 
11,990,030 00 

$2,790,785 00 
2,790,785 00 



Premiums. 

$34,344 31 
22,051 96 

$56,396 27 
38,606 04 



$17,790 23 
17,790 23 



Steam Boiler. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$4,640,200 00 $18,501 90 
8,113,250 00 26,374 33 



$12,753,450 00 $44,876 23 
5,295,700 00 18,726 87 



$7,457,750 00 $26,149 36 



Sprinkler. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$1,640,500 00 $19,156 28 
2,497,100 00 36,905 28 



$4,137,600 00 $56,061 56 
2,392,850 00 31,396 59 



$1,744,750 00 $24,664 97 
222,500 00 3,519 95 



$1,522,250 00 $21,145 02 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



. $1,597,161 00 
545,205 00 
265,826 00 
113,300 00 



Schedule A. 
Bonds owned by the Company. 



United States bonds, . 
City of New York bonds, . 



Cost Value. Market Value. 

$17,512 50 $17,100 00 
597,247 81 597,247 81 



$614,760 31 $614,347 81 



UNITED STATES FIDELITY AND GUARANTY COMPANY. 303 



"UNITED STATES FIDELITY AND GUARANTY COMPANY," OF 

BALTIMORE, MD. 

[Incorporated March 19, 1896. Commenced business Aug. 1, 1896.] 
Paid-up Capital, $805,860. 

John R. Bland, President. Alex. Payson Knapp, Secretary. 



Income. 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, . 



Fidelity and Surety. 

$3,732 40 
113,505 54 

$117,237 94 
31,120 85 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, . . . $86,117 09 
Less reinsurance and return premiums, . . 10,306 50 

Net cash premiums received, . . . $75,810 59 

Interest and dividends received from all sources, . . . • 5,862 20 
Received from collateral for security of risks, . . . 18,847 38 

Total income, $100,520 17 

Net or ledger assets Dec. 31, 1896, . . # . $279,025 99 
Increase of capital during the year, . . . 544,660 00 
Subscribed for surplus fund, .... 8,000 00 

831,685 99 



Total, $932,206 16 

Disbursements. 

Cash paid for matured claims, $1,544 34 

for commissions and brokerage, .... 12,913 58 

for salaries and expenses of officers and employees, 24,108 44 

for taxes and fees, 8,017 91 

for rent, 1,575 00 

for legal expenses, 1,586 28 

for advertising, printing and stationery, . . 10,342 75 

for incidentals, 14,197 46 



Total disbursements, $74,285 76 



Balance, $857,920 40 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, $33,390 91 

Loans on mortgage of real estate (first liens), . . . 3,579 49 

Loans on collateral security (schedule A), . . . 25,900 00 



304 UNITED STATES FIDELITY AND GUARANTY COMPANY. 

Cost value of stocks and bonds owned (schedule B), . . $428,299 51 

Cash in company's office, 30,978 22 

Cash deposited in bank, 328,828 13 

Bills receivable, 2,129 14 

Furniture and fixtures, 4,815 00 



Total, 1857,920 40 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over cost, . 
Gross premiums in course of collection, . 

Total assets, per company's books, . 



6,671 54 

5,420 49 

31,120 85 

$901,133 28 



Items not admitted. 



Office furniture, etc., 
Bills receivable, 
Total, . 



Total admitted assets, 
Deduct special deposits in other States, . 



$4,815 00 
2,129 14 



6,944 14 



$894,189 14 
49,107 50 



Balance, . • $845,081 64 



Liabilities. 

Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Collateral held for security of risks, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, 
Paid-up capital, .... 



Impairment of capital, 



$91 78 

48,727 72 

5,818 06 

28,649 68 

$83,287 24 
8,859 98 



74,427 26 

$770,654 38 
805,860 00 

f35,205 62 



Risks and Premiums. 
Fidelity and Surety. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



. $1,626,293 33 
. 29,345,376 52 



$30,971,069 85 
5,224,894 63 



Premiums. 

f6,606 52 
113,505 54 

f 120,112 06 
22,656 63 



. $25,746,775 22 $97,455 43 



UNITED STATES FIDELITY AND GUARANTY COMPANY. 305 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 
Claims incurred during the year, .... 
Company's stock owned by directors, 



$120,455 00 

1,544 00 

1,544 00 

86,500 00 



Schedule A. 
Securities held as Collateral. 



Georgia & Alabama R.R. bonds, 
New York & New Jersey water bonds, 
Denver & Union water bonds, . 
30 shares Daily Record stock, . 
City & Suburban R.R. bonds, . 
100 shares Consolidated Gas Co. stock, 
Consolidated Gas Co. bonds, . 
10 shares Guardian Sec. Trust & Dep. Co 
8 " Fidelity & Dep. Co. of Md , 
Brush Electric Co. bonds, . 
60 shares Easton Nat'l Bank, Easton, Md, 
Wilmington & Weldon R.R. certificates, . 
100 shares Baltimore Consolidated R'y stock, 



Market Value. Amount Loaned. 



$5,775 00- 
4,000 00 

650 00. 

300 00 
1,145 00 
5,275 DO 
1,185 00. 

990 00 
1,264 00 
1,050 00 
2,460 00 
2,970 00 
2,387 50 



$9,000 00 

300 00 

7,000 00 

2,000 00 

900 00 

2,0U0 00 
2,700 00 
2,000 00 



$29,451 50 $25,900 00 



Schedule B. 
Bonds owned by the Company. 



Baltimore city bonds, .... 
Virginia century bonds, .... 
City of Staunton, Va., bonds, . 
Findlay, Ohio, bonds, .... 
Columbus, Ohio, bonds, .... 
Baltimore & Ohio R.R. receiver's certificates, 
City of Montgomery, Ala., bonds, . 
United States bonds, .... 



Cost Value. 

$246,797 50 
6,152 80 
10,011 50 
8,601 11 
23,174 44 
50,263 70 
26,848 46 
56,450 00 



Market Value. 

$247,537 50 
6,937 50 
10,650 00 
8,640 00 
22,880 00 
50,500 00 
26,875 00 
59,700 00 



$428,299 51 $433,720 00 



306 



UNITED STATES GUARANTEE COMPANY. 



"UNITED STATES GUARANTEE COMPANY; 1 NEW YORK. 

[Incorporated Jan. 18, 1890. Commenced business Jan. 30, 1890 ] 

Paid-up Capital, $250,000. 

Edward Rawlings, President. Daniel J. Tompkins, Secretary. 



Income. 

Premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 

Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all other sources, 



$12,841 23 
142,971 59 

$155,812 82 
8,548 48 

$147,264 34 
41,218 31 



Total income, . . . . 
Net or ledger assets Dec. 31, 1896, . 



Total, 



Disbursements 

Cash paid for matured claims, . 
Deduct salvage and reinsurance, 

Net cash paid for matured claims, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and expenses of officers 

for inspections, 

for taxes and fees, . 

for rent, 

for legal expenses, . 

for advertising and printing, . 

for incidentals, .... 



Total disbursements, 
Balance, 



$33,214 62 
7,893 90 



and employees 



$106,046 03 

972 66 

12,624 85 

$1 19,643 54 

421,553 85 

$541,197 39 



$25,320 72 

15,000 00 

14,210 96 

23,847 33 

3,061 72 

1,366 28 

2,819 35 

707 22 

4,215 65 

9,934 11 

$100,483 34 

$440,714 05 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Co=>t value of stocks and bonds owned (schedule A), 



£1,724 28 

450 00 

372,754 09 



UNITED STATES GUARANTEE COMPANY. 



307 



Cash in company's office, 
Cash deposited in bank, 
Agents' debit balances, 



Total, 

Other Assets. 

Interest due and accrued, 

Gross premiums in course of collection, .... 

Total assets, per company's books, .... 

Items not admitted and Depreciation. 



$721 15 

62,663 62 

2,400 91 

$440,714 05 



3,705 90 
8,548 48 

$452,968 43 



Agents' debit balances, .... 
Premiums over three months due, . 
Depreciation from cost of assets, 

Total, 

Total admitted assets, 

Liabilities. 

Claims adjusted or in process, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Due for reinsurance, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, 
Paid-up capital, .... 



$2,400 91 
1,457 14 
9,604 09 



13,462 14 



$439,506 29 



31,418 44 

45,323 88 

525 00 

2,634 16 

1,074 80 



80,976 28 

$358,530 01 
250,000 00 



Surplus over capital, $108,530 01 



Risks and Premiums. 



Risks outstanding Dec. 31, 1896, 
Risks written during 1897, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



. $20,703,075 00 
. 26,833,734 00 

. $47,536,809 00 
. 25,954,019 00 

. $21,582,790 00 
. 4,516,050 00 



Premiums. 

$127,807 05 
142,971 59 

$270,778 64 
154,266 70 

$116,511 94 
24,456 38 



.$17,066,740 00 $92,055 56 



Miscellaneous. 

Premiums received from organization of company, 
Claims paid from organization of company, . 



$699,535 00 
221,876 00 



308 



UNITED STATES GUARANTEE COMPANY. 



Cash dividends declared from organization of company, 

Claims incurred during the year, 

Company's stock owned by directors, .... 



$90,000 00 
31,807 00 
47,700 00 



Schedule A. 
Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Western Union Telegraph Co. stock, . . $25,187 50 $28,800 00 

New York, Lackawanna & West'n R R. stock, . 11,400 00 11,800 00 

St. Paul, Minn. & Manitoba R.R. stock, . . 48,600 00 49,500 00 

New York city bonds, 102,325 34 93,000 00 

United States bonds 118,993 75 114,000 00 

Brooklyn city bonds, 66,247 50 66,050 00 



$372,754 09 $363,150 00 



ASSESSMENT CORPORATIONS. 



LIFE AND CASUALTY. 



310 



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a, 
3 



ASSESSMENT LIFE AND CASUALTY 

COMPANIES. 



Abstracts of Statements Dec. 31, 1897. 



SUMMARY OF STATEMENTS RECEIVED. 



AMERICAN WHEELMEN'S ACCIDENT ASSOCIATION, WEST- 
FIELD, MASS.* 

[Incorporated Nov. 15, 1895. Commenced business January, 1896.] 

George M. Hendee, President Charles F. Watson, Secretary. 

Income during 1897. 

Membership fees, $478 00 

Assessments (expense, $439 ; mortuary, $146.50), . . . 585 50 

All other sources, 333 50 

Total income, $1,397 00 

Balance on hand Dec. 31, 1896, 276 85 

Emergency fund, f 228 25 

Expense fund, ....... 48 60 

Total, $1,673 85 

Disbursements during 1897. 

Disability claims, $287 20 

Returned premiums, ..... 21 75 

Total paid to members, .... $308 95 

Commissions to agents, $403 25 

Salaries and allowances of managers and ag'ts, 48 00 

Salaries and other compensation of office emp., 26 50 

Rent, 103 25 

Advertising and printing, .... 361 15 

Incidentals, 194 50 

Total expenses, 1,136 65 

Total disbursements, $1,445 60 

Balance on hand Dec. 31, 1897, $228 25 

Emergency fund, $228 25 

Invested in the following : — 

Assets as per Ledger Accounts. 
Certificate of deposit with State treasurer, .... $228 25 

* Since rendering its annual statement this company has reinsured all its outstanding risks in 
the New England Mutual Accident Association, to date from Jan. 17, 1898. 



318 ATLAS ACCIDENT INSURANCE COMPANY. 



Unmatured Mortuary and Disability Liabilities. 

Claims adjusted, not yet due, .... f 61 00 

Claims in process of adjustment, . . . 314 00 

Total, $375 00 

Business of 1897. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 



In force January 1 , . 
Written during the year, . 


305 
229 


$165,230 00 
132,210 00 


291 
212 


$155,168 00 
123,308 00 


Total,. 
Ceased during the year, . 


534 
470 


$297,440 00 
262,392 00 


503 
443 


$278,476 00 
245,950 00 


In force December 31, 

Claims incurred in 1897, . 
Claims paid during the year, 


64 

10 

7 


$35,048 00 

$662 00 
287 00 


60 

8 
5 


$32,526 00 

$596 00 
221 00 



Claims unpaid Dec. 31, . 3 $375 00 3 $375 00 



ATLAS ACCIDENT INSURANCE COMPANY, BOSTON.* 

[Incorporated Aug. 21, 1890. Commenced business Oct. 30, 1890.] 

William A. Lang, President. Thomas M. Everett, Secretary. 

Office, 40 Water Street. 

Income during 1897. 

Membership fees, $8,040 00 

Assessments (expense, $27,959.18; mortuary, $27,959.18), . 55,918 36 

Interest, 240 00 

Borrowed money, 15,408 46 

Total income $79,606 82 

Balance on hand Dec. 31,1896, 12,888 47 

Total, $92,495 29 

Disbursements during 1897. 

Death claims, $14,562.50 ; disability claims, $21,034.90, . . $35,597 40 

Commissions to agents, $19,973 58 

Salaries and allowances of managers and ag'ts, 560 74 

of officers, . . . ' . . . 5,681 02 

and other compensation of office emp., 5,531 37 

Medical examiner's fees, 613 16 

* This company has reinsured all its outstanding risks in the New England Mutual Accident 
Association, to date from Jan. 14, 1898. 



ATLAS ACCIDENT INSURANCE COMPANY. 



319 



Insurance department fees and licenses, 
Rent, $1,680; legal expenses, $1,580.45, 
Advertising and printing, 
Furniture, . 
Adjusting claims, 
Borrowed money repaid, 
Incidentals, 

Total expenses, . 

Total disbursements, 

Balance on hand Dec. 31, 1897, . 



$247 80 
3,260 45 
1,502 04 
476 00 
1,324 69 
4,000 00 
5,022 33 



$48,193 18 

$83,790 58 

$8,704 71 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of bonds owned, 

Cash in office, 

Cash in bank, 

Balances due from agents, 

Interest on bonds with State treasurer, 

Ledger assets, as per balance, . 



$6,149 


17 


1,138 


19 


33 


14 


904 


21 


480 


00 



1,704 71 



Non-Ledger Assets. 
Market value of bonds over cost, 



Gross assets, 



262 50 



$8,967 21 



Deduct Assets not admitted. 
Balances due from agents, not secured by bonds, . 

' Total admitted assets, 



372 85 



1,594 36 



Liabilities. 
Death claims due and unpaid . 
Disability claims due and unpaid, . 
Salaries, rents, expenses, etc., due or accrued 

Borrowed money, 

Total, 



Balance against company, 



$15,000 00 

10,335 26 

331 41 

11,408 46 



37,075 13 



$28,480 77 



Unmatured Mortuary and Disability Liabilities. 

Claims adjusted, not yet due, .... $1,76586 

resisted, 825 00 

reported, not in process, . . . 1,173 01 

Total, $3,763 87 



320 



THE BANKERS LIFE ASSOCIATION OF MINNESOTA. 



"THE BANKERS" LIFE ASSOCIATION OF MINNESOTA," 

ST. PAUL, MINX. 

[Incorporated Aug. 6, 1880. Commenced business Aug. 6, 1830.] 

Cortlaxdt If. Taylor, President. Douglas Putnam, Secretary. 



Income during 1897. 

Membership fees, $21,007 34 

Annual dues and medical examiner's fees, .... 73,587 40 

Assessments (mortuary, $269,991.06; emergency, $39,508.33), 309,499 39 

Interest, "302 04 

All other sources, 2,530 91 

Total income $433,927 08 

Balance on hand Dec. 31, 1896 71S,399 84 

Total, $1,152,326 92 



Disbursements during 1897. 



Death claims, 

Guaranty payments returned to beneficiaries, 

Total paid to members, 

Commissions to agents 

Commissions for collecting assessments. . 
Salaries and allowances of managers and ag'ts 

of officers, 

and other compensation of office emp. 
Medical examiner's fees, .... 

Taxes and fees, 

Rent, $2,639.30 ; legal expenses, $3,136.57, 

Advertising and printing 

Stamps, 

Agents' expenses, 

Incidentals, 

Depreciation of assets, as per 1896 statement, 

Total expenses 

Total disbursements, .... 
Balance on hand Dec. 31, 1897, . 



Mortuary fund, . 
Emero-encv fund, 
Expense fund, . 



$253,200 00 
1,602 00 

$25,934 74 

2,529 68 

8,281 01 

14,239 96 

9,034 61 

3,683 25 

495 56 

5,775 87 

6,269 98 

8,495 17 
2,27 

2,463 70 

28,677 45 



$81,699 40 

641,794 57 

55,875 12 



$254,802 00 



118,155 83 
$372,957 83 



$779,369 09 



THE BANKERS' LIFE ASSOCIATION OF MINNESOTA. 321 



Invested in the following : — 

Assets as fer Ledger Accounts 

Loans secured by pledge of bonds, stocks, etc., 
Book value of bonds owned, .... 

Cash in office, 

Cash in bank, 

Missouri insurance department, 

Ledger assets, as per balance, . 

Non-Ledger Assets. 

Interest accrued, 81,848 75 

Market value of bonds over book value, . . f'2,600 00 

Guaranty trust fund notes, .... 71,982 84 

Assessments paid in advance, .... 203 15 

Total non-ledger assets, .... 



$40,000 00 

637,000 00 

119 95 

101,249 14 

1,000 00 

$779,369 09 



86,634 74 



Gross assets, $866,003 83 

Deduct Assets not admitted. 
Loans in excess of collateral security, . . $1,500 00 
Special deposit in Missouri, .... 1,000 00 
Total, 



2,500 00 



Total admitted assets, 



$863,503 83 



Liabilities. 



Advance assessments, 



203 15 



Balance, $863,300 68 

Unmatured Mortuary and Disability Liabilities. 
Claims in process of adjustment, . . . $2,000 00 

resisted 8,000 00 

reported, not in process, . . . 8,000 00 
Total, f 18,000 00 



Funds called for. 
Assessment issued, not yet due, 



$58,098 88 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the }*car, 



Business of 1897. 

Total Business. 
Number. Amount. 

12,020 $24,040,000 00 
1,516 3,032,000 00 



13,536 $27,072,000 00 
1,265 2,530,000 00 



Mass. Business. 
Number. Amount. 

69 $138,000 00 
5 10,000 00 



74 
6 



$148,000 00 
12,000 00 



In force December 31, 12,271 $24,542,000 00 68 $136,000 00 



322 bankers' LIFE INS. CO. of the city OF NEW YORK. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

Claims unpaid January 1, 13 $26,000 00 - 

Claims incurred in 1897, . 126 . 252,000 00 2 £4,000 00 



Total, .... 139 $278,000 00 2 $4,000 00 

Claims paid during the year, 127* 253,200 00* 2 4,000 00 



Balance, ... 9 $18,800 00 

Deductions by compromising, - 800 00 



Claims unpaid Dec. 31, 9 $18,000 00 



"BANKERS' LIFE INSURANCE COMPANY OF THE CITY OF 
NEW YOKK," NEW YORK, N. Y. 

[Incorporated March 19, 1869. Commenced business March 24, 1869.] 

Richard Morgan, President. Franklin C. Elder, Secretary. 

Income during 1897. 

First year's assessments, £51,847 35 

Subsequent years' assessments (expense, $28,727.29 : mortu- 
ary, $102,848.42 ; reserve. £ 27,446.64), 159,022 35 

Interest, 5,620 13 

All other sources, 100 00 

Total income, $216,589 83 

Balance on hand Dec. 31, 1896, 161,621 75 

Total, £378,211 58 

Disbursements during 1897. 
Death claims, $102,408.80; disability claims, 

$1,566, $103,974 80 

Advance payments applied, .... 691 00 

Apportioned to members, 1,144 28 

Total paid to members £105,810 08 

"Commissions to agents (new business, £36,- 

850.38; renewals, £904.40) £37,754 78 

Salaries and allowances of managers and ag'ts, 2,125 00 

of officers 5,699 76 

and other compensation of office emp., 6,535 52 

Medical examiner's fees, 7,087 84 

Taxes and fees, 1,017 16 

Rent, £5,287.89 ; legal expenses, £1,650, . . 6,937 89 

Advertising and printing, .... 3,841 68 

* Not including three claims of $2,000 each, in which the courts gave a decision in favor of the 
company. 



BANKERS' LIFE INS. CO. OF THE CITY OF NEW YORK. 323 



Furniture and fixtures, $2,091 12 

Expenses defending claims, .... 910 15 

Incidentals, 6,556 46 

Total expenses, 

Total disbursements, . . 

Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, .... $22,598 02 

Emergency fund, 140,676 18 

Expense fund, 27,841 65 

Advance paym'ts, $ 352 ; special relief, $376.29, 728 29 



,557 36 



$ 186,367 44 
$191,844 14 



Invested in the following : — 

Assets as per Ledger Accounts 

Loans on mortgages, 

Cost value of stocks and bonds owned, 

Cash in office, 

Cash in bank, 

Balances due from agents, 

Deposit with Missouri insurance department, 

Ledger assets, as per balance, . 



$78,000 00 

63,552 77 

1,295 94 

41,792 83 

6,202 60 

1,000 00 

$191,844 14 



Non-Ledger Assets. 

Interest accrued, $1,891 75 

Market value of bonds and stocks over cost, . 1,159 73 

Furniture, fixtures and safes, .... 2,091 12 

Total non-ledger assets, .... 



5,142 60 



Gross assets, $196,986 74 



Deduct Assets not admitted. 
Balances due from agents not secured by bonds, $1,709 35 



Special deposit in Missouri, .... 


1,000 00 




Furniture, fixtures and safes, .... 


2,091 12 




Total, 




4,800 47 


. 


Total admitted assets, .... 


$192,186 27 


Liabilities. 






Salaries, rents, expenses, etc., due or accrued, 


$15,013 14 




Advance assessments, 


352 00 




Total 




15,365 14 








$176,821 13 



324 BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION. 



Unmatured Mortuary and Disability Liabilities. 
Claims adjusted, not yet due, .... $1,70500 
in process of adjustment, . . . 1,029 00 
reported, not in process, . . . 3,043 00 
Total, $5,777 00 

Funds called for. 
Assessment issued, not yet due, $17,519 11 

Business of 1897. 



In force January 1, 
Written during the year, 



Total Business. Mass. Business. 

Number. Amount. Number. Amount 

3,371 $9,644,904 00 252 $835,500 00 

1,248 3,873,000 00 226 635,500 00 



Total, . 
Ceased during the year, 


4,619 
780 

3,839 

3 

45 

48 
43 

5 


$13,517,904 00 
2,743,863 00 


478 
114 

364 

1 

1 
1 


$1,471,000 00 
363,000 00 


In force December 31, . 

Claims unpaid January 1, . 
Claims incurred in 1897, 


$10,774,041 00 

$9,052 00 
107,481 00 


$1,108,000 00 
$5,000 00 


Total, .... 
Claims paid during the year, 


$116,533 00 
103,975 00 


$5,000 00 
5,000 00 


Balance,. 
Deductions by compromising, 


$12,558 00 
6,781 00* 


- 



Claims unpaid Dec. 31, . 4 $5,777 00f 



BERKSHIKE HEALTH AND ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Jan. 15, 1885. Commenced business Feb. 7, 1885.] 

Everett L. Abbott, President. Charles S. Perry, Secretary. 

Office, 15 Court Square. 

Income during 1897. 

Membership fees, $10,429 00 

First year's assessments (expense, $509.55; mortuary, 

$1,046.80), 1,556 35 

Subsequent years' assessments (expense, $3,059.35 ; mort- 
uary, $6,072.15), 9,13150 

* Including one claim for $5,000, in which suit was decided in favor of the company, 
t Including $1,705 for disability claims which have been partially paid. 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION. 325 







$75 00 






150 00 




$21,341 85 


Balance on hand Dec. 81, 1896, 




2,025 24 




$23,367 09 


Disbursements during 1897. 




Death claims, $200 ; disability claims, $4,801.95 


$5,001 95 


■ 


Advance payments returned, . 


49 68 




Total paid to members, 
Commissions to agents, .... 




$5,051 63 


$10,606 12 


Commissions for collecting assessments, . 


306 15 




Salaries of officers, 


758 54 




Salaries and other compensation of office emp. 


834 18 




Medical examiner's fees, .... 


225 75 




Insurance department fees and licenses, . 


28 00 




Rent, $540 ; legal expenses, $20, 


560 00 




Advertising and printing, .... 


402 20 






404 44 




Incidentals, 


328 57 




Total expenses, 




14,453 95 * 






$19,505 58 


Balance on hand Dec. 31, 1897, . 


$3,861 51 


Mortuary and disability fund, . 


$2,079 37 




Emergency fund, 


1,408 75 




Expense fund, 


373 39 





$1,316 25 


742 


27 


1,710 


49 


92 


50 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds and stocks owned, .... 
Cash in office, 

in bank, 

with State treasurer, 

Ledger assets, as per balance, $3,861 51 

Deduct Assets not admitted. 
Cost of ledger assets above present market value, ... 33 75 

Total admitted assets, $3,827 76 

Unmatured Mortuary and Disability Liabilities. 
Claims reported, not in process (27 disability claims), . . -* 



* Amount unknown. 



326 BOSTON MUTUAL LIFE ASSOCIATION. 

Funds called for. 
Assessment issued, not yet due, $2,777 00 

Business of 1897. 

Total Business. Mass. Business 

Number. Amount. Number. Amount. 



In force January 1, 
Written during the year, 


573 
3,443 


862,900 00 
647,970 00 


573 

3,186 


$62,900 00 
588,920 00 


Total, .... 
Ceased during the year, 


4,016 
1,915 


$710,870 00 
122,700 00 


3,759 
1,780 


$651,820 00 
97,140 00 


In force December 31, . 

Claims incurred in 1897, 
Claims paid during the year, 


2,101 

189 
162 

27 


$588,170 00 

$5,001 95* 
5,001 95 


1,979 

162 
138 


$554,680 00 

$4,290 67* 
4,290 67 


Claims unpaid Dec. 31, . 


-t 


24 


-t 



BOSTON MUTUAL LIFE ASSOCIATION, BOSTOX. 

[Incorporated Aug. 18, 1891. Commenced business Feb. 15, 1892.] 

John W. Wheeler, President. Edward A. Lyman, Secretary. 

Office, 17 Milk Street.' 

Income during 1897. 

Annual dues, $4,345 00 

First year's assessments (expense, $7,596.81 ; special reserve, 

$41.52), 7,638 33 

Subsequent years' assessments (expense, $4,724.95 ; mortu- 
ary, $27,561.70 ; emergency, $ 10,256.55 ; special reserve, 

$136.96) 42,680 16 

Interest 650 14 

All other sources, 169 50 

Total income, $55,483 13 

Balance on hand Dec. 31, 1896, 46,639 23 

Mortuary and disability fund, . . . . ? 13,238 06 

Emergency fund, 31,987 80 

Expense fund, 1,372 16 

Special reserve, 41 21 

Total, $102,122 36 

Disbursements during 1897. 

Death claims, $20,194 ; disability claims, $2,500, $22,694 00 
Apportioned to members, .... 54 28 

Total paid to members, .... $22,748 28 

* Not including unpaid disability claims the amount of which is unknown, no proofs of loss 
having been received. t Amount unknown. 



BOSTON MUTUAL LIFE ASSOCIATION. 



327 



Commissions to agents(new business, $6,514. 17, 



renewals, $368.94), .... 


$6,883 11 




Salaries of officers, 


1,940 47 




Salaries and other compensation of office en 


ip., 934 67 




Medical examiner's fees, .... 


897 00 




Insurance department fees and licenses, . 


1,099 25 




Rent, $1,602.67 ; legal expenses, $658.72, 


2,261 39 




Advertising and printing, 


1,348 00 




Incidentals, 


2,102 88 




Total expenses, 




$17,466 77 


. 


Total disbursements, 


$40,215 05 


Balance on hand Dec. 31, 1897, . 


$61,907 31 


Mortuary and disability fund, . 


$18,105 76 




Emergency fund, 


42,728 77 




Expense fund, 


853 09 




Special reserve, 


219 69 





Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds owned, 
Cash in office, .... 
Cash in bank, .... 
Special deposit in Missouri, 

Ledger assets, as per balance, 

Non-Ledger Assets. 



Interest, 

Market value of bonds over cost, 
Total non-ledger assets, 



$1,919 99 
305 00 



$40,685 00 

3,381 09 

16,841 22 

1,000 00 

$61,907 31 



2,224 99 



Gross assets, $64,132 30 

1,000 00 



Deduct Assets not admitted. 
Special deposit in Missouri, 

Total admitted assets, 

Liabilities. 
Advance assessments, 

Balance, 



$63,132 30 



219 69 

$62,912 61 



Unmatured Mortuary and Disability Liabilities. 

Claims adjusted, not yet due, .... $2,000 00 

in process of adjustment, . . . 8,500 00 

resisted, 7,500 00 

Total, $18,000 00 



328 COVENANT MUTUAL LIFE ASSOCIATION OF ILLINOIS, 



FCXDS CALLED FOE. 

ssment issued, not yet due, 



$3,989 59 



Business 01 1^ 

Total Bcsisesb. 
Number. Amoant. 



In force January 1, . . 1,579 
Written during the year, . 432 
Increased during the year, - 



Total 2,011 

Ceased during the year, . 354 



In force December 31, 1,657 



Claims unpaid January 1, 
Claims incurred in lb'j7, . 



Total 25 

Claims paid during the year, 16 

Balance. ... 9 

Deductions by compromising, - 



$3,545,450 00 

600,000 00 

1,000 00 

$4,146,450 00 
597,700 00 



Mass. I'.c-:ness. 
Somber. Amoant. 

1,579 f 00 

334 459,500 00 

10 00 



1,913 £4,005,950 00 
350 592,700 00 





$3,548,750 00 


1,563 


$3,413,250 00 


4 


$8,500 00 


4 


$8,500 00 


21 


38,000 00 


21 


38,000 00 



Claims unpaid Dec. 31, 



$46,500 00 
22,694 00 

$23,806 00 
5,806 00 

$18,000 00 



25 
16 



$46,500 00 
I 00 

$23,806 00 
5,806 00 

$18,000 00 



"COVENANT MUTUAL LIFE ASSOCIATION OF ILLINOI- 

GALESBURG, ILL. 

[Incorporated Jan. 9, 1ST7. Commenced bueiness Jan. 9, I 

W. H. $:*iollin*gek, Prisvlent. B. F. Reikmlkd, Secretary. 

L\C03IE DURING 1897. 

First year's assessments (expense, $143,593 09, mortuary, 

$26,050.63) $169,643 72 

Subsequent years' assessments (expense, $173,935.90 ; mortu- 
ary, $1,16S,418.43 ; emergency, $30,735 44 ; deposit fund, 
$6,030.45) 1.379.120 22 

Interest, $ 18,604.68; rents, £7,655.05, 26,259 73 

Total income, $1,575,023 67 

Balance on hand Dec 31,1896, 793,547 11 

Mortuary and disability fund $322,908 55 

Emergency fund, 315,462 51 

Expense fund, 154,073 07 

Deposit fund, 1,102 98 

Total, $: TO 78 



COVENANT MUTUAL LIFE ASSOCIATION OF ILLINOIS 



329 



Disbursements during 1897. 

Death claims, $1,244,691.80; disability claims, 

$15,182.70 $1,259,874 50 

Apportioned to members, 9,357 76 

Total paid to members, .... $1,269,232 26 

Commissions to agents (new business, $117,- 

052.09; renewals, $54,099.72), . . . $171,15181 

Commissions for collecting assessments, . 1,017 57 

Salaries and allowances of managers and ag'ts, 14,650 97 

of officers, 21,746 64 

and other compensation of office emp , 35,276 82 

Medical examiner's fees, 25,755 00 

Taxes and fees, 4,891 38 

Rent, $12,895.55; legal expenses, $7,022.92, . 19,918 47 

Advertising and printing, .... 8,431 62 

Postage and express, 10,408 12 

Traveling expenses, 10,283 07 

Expenses and repairs on real estate, . . 2,306 07 

Incidentals, 16,681 44 

Total expenses, 342,518 98 



Total disbursements, 



Balance on hand Dec. 31, 189i 

Mortuary and disability fund, 
Emergency fund, 
Expense fund, . 
Deposit fund, 
Advance assessments, 



$252,041 57 

346,197 95 

145,255 70 

7,133 39 

6,190 93 



,611,751 24 



$756,819 54 



Invested in the following : — 

Assets as per Ledger Accounts 
Cost value of real estate, . 
Loans on mortgages, 
Cost value of bonds owned, 
Cash in office, . 
Cash in bank, . 
Balances due from agents, 

Ledger assets, as per balance, . 



$8%000 00 
20,000 00 

458,780 18 
12,949 66 
54,823 91 

125,265 79 

$756,819 54 



Non-Ledger Assets. 

Interest due, $4,314.11; accrued, $ 452. 19, . $4,766 30 

Rents due, $365 ; accrued, $7 50, . . . 372 50 

Market value of real estate over cost value, . 15,000 00 

Total non-ledger assets, .... 



20,138 80 



Gross assets, $776,958 34 



330 COVENANT MUTUAL LIFE ASSOCIATION OF ILLINOIS. 



Deduct Assets not admitted. 

Balances due from agents, not secured by bonds, $50,000 00 
Cost of ledger assets above present market 

value 36,007 42 

Special deposit in Canada, .... 57,022 76 

Total $143,030 18 



Total admitted assets, $633,928 16 

Liabilities. 

Salaries, rents, expenses, etc., due or accrued, $2,291 75 

Advance assessments, 6,190 93 

Deposit fund, 7,133 39 



Total, $15,616 07 

Deduct liability on special deposit, . . . 364 89 



15,251 18 



Balance, $618,676 98 

Unmatured Mortuary and Disability Liabilities. 
Claims adjusted, not yet due, .... $17,750 00 



in process of adjustment, 
resisted, 

reported, not in process, 
Total, 



408,785 00 
39,500 00 
62,300 00 



$528,335 00 



Funds called for. 
Assessment issued, not yet due, $144,750 00 

Business of 1&97. 

Total Business. Mass. Bcsisess. 

Number. Amount. Number. Amount. 

In force January 1, . . 42,312 $87,420,375 00 1,557 £2,673,625 00 

Written during the year, . 11,889 16,087,125 00 529 783,750 00 



Total 54,201 $ 103,507,500 00 2,086 $3,457,375 00 

Ceased during the year, . 9,710 16,945,425 00 453 733,125 00 



In force December 31, 44,491 $86,562,075 00 1,633 $2,724,250 00 

Claims unpaid January 1, 194 $466,285 00 9 $18,500 00 

Claims incurred in 1897, . 603 1,379,683 00 25 33,120 00 



Total 797 $1,845,968 00 34 $51,620 00 

Claims paid during the year, 570 1,259,875 00 27 40,391 00 



Balance, ... 227 $586,093 00 7 $11,229 00 

Deductions by compromising, - 57,758 00 - 2,229 00 



Claims unpaid Dec. 31, 227 $528,335 00 7 $9,000 00 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION. 



331 



EQUITABLE ACCIDENT INSURANCE ASSOCIATION, BOSTON. 

[Incorporated May 23, 1893. Commenced business Aug. 4, 1893.] 

Austin S. Esty, President. George W. Chandler, Secretary. 

Office, 31 Milk Street. 

Income during 1897. 

Membership fees $1,493 00 

Assessments (expense, $9,782; mortuary, $5,217 ; advance 

payments, $ 14), 15,013 00 

Interest, ' 308 58 

Profit on disposal of securities, 956 99 

Total income, $17,771 57 

Balance on hand Dec. 31, 1896, 7,783 72 



Total, • $25,555 29 

Disbursements during 1897. 

Disability claims, .... 
Advance payments returned, . 

Total paid to members, 
Commissions to agents, 
Commissions for collecting assessments, 
Salaries of officers, .... 
Salaries and other compensation of office emp. 
Medical examiner's fees, . 

Taxes and fees, 

Rent, $494.15; legal expenses, $66.90, 
Advertising and printing, . 
Losses on disposal of securities, 
Incidentals, .... 

Total expenses, . 

Total disbursements, . 
Balance on hand Dec. 31, 1897, 



Mortuary and disability fund, . 

Emergency fund, 

Expense fund, .... 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds owned, 

Cash in office, 

in bank, ......... 

in hands of State treasurer, 



$5,084 


92 




19 


00 


$5,103 92 


$1,493 00 


2,607 


44 




3,602 00 




461 


00 




441 


00 




27 


78 




561 


05 




229 


13 




33 


25 




1,766 


01 


11 9 21 66 




• 




. 


$16,325 58 


. 


$9,229 71 


$1,177 


31 




5,700 


25 




2,352 


15 





Ledger assets, as per balance, . 



$5,700 25 

2,589 41 

861 05 

79 00 

$9,229 71 



332 EQUITABLE ACCIDENT INSURANCE ASSOCIATION. 

\' >X-L.EDGER AS-ETS. 

Office furniture, $358 84 

Gross assets, $9, 

Deduct Assets not admitted. 
Furniture, fixtures and safes, 358 84 

Total admitted assets, $9,229 71 

Liabilities. 

Salaries, rents, expenses, etc., due or accrued, . $14 05 

Advance assessments, 14 00 

Total, n 

Balance, $9,201 66 

Unmatured Mortuary and Disability Liabilities. 
Claims adjusted, not yet due, $691 84 

Funds called for. 
Assessment issued, not yet due, $1,388 00 

Business of 1897. 

Total Bcsixkss. Mass. Bcsisem. 

Number. Amount. Number. Amount. 

In force January 1, . . 1,691 $6,180,750 00 983 $4,045,000 00 

Written during the year, . 789 3,138,250 00 393 1,695,250 00 

Total, .... 2,480 $9,319,000 00 1,376 $5,740,250 00 
Ceased during the year, . 820 3,701,750 00 551 2,500,500 00 

In force December 31, 1,660 $5,617,250 00 825 $3,239,750 00 

Claims unpaid January 1, 10 $1,782 00 4 $1,509 00 

Claims incurred in 1897, . 81 4,156 00 46 1,865 00 

Total 91 $5,938 00 50 .* 3,374 00 

Claims paid during the year, 79 5,085 00 43 3,070 00 

Balance, ... 12 f853 00 7 $304 00 

Deductions by compromising, - 161 00 - 

Claims unpaid Dec. 31, 12 $692 00 7 f 304 00 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



333 



"THE FIDELITY MUTUAL LIFE ASSOCIATION," 
PHILADELPHIA, PA. 

[Incorporated Dec. 2, 1878. Commenced business Jan. 1, 1879.] 

L. G. Fouse, President. W. S. Campbell, Secretary, 

Income during 1897. 
First year's assessments (expense, $443,132.80 ; mortuary, 

$97,503.79), $540,636 59 

Subsequent years 1 assessments (expense, $287,185.67 ; mort- 
uary, $542,048 40 ; emergency, $383,706.86), . . . 1,212,940 93 
Medical examiner's fees paid by applicant, .... 3,418 72 

Interest, $32,728 28 ; rents, $64,958.88 97,687 16 

Profit on disposal of real estate, $932.98 ; of securities, $17 1.92, 1,104 90 

Fees for changing policies, 513 00 



Total income, $1,856,301 30 

Balance on hand Dec. 31, 1896, 1,658,554 19 



Total, . $3,514,855 49 



Disbursements during 

Death claims, ....... 

Advance payments returned, .... 

Apportioned to members, .... 

Total paid to members, .... 
Commissions to agents (new business, f 255,- 

914 23; renewals, $90,593.82), . 
Commissions for collecting assessments, . 
Salaries and allowances of managers and ag'ts, 

of officers, 

and other compensation of office emp., 

Medical examiner's fees, 

Taxes and fees, 

Rent, $19,878.19; legal expenses, $2,441.13, . 

Expenses and repairs on real estate, 

Advertising and printing, . 

Losses on disposal of real estate, 

Losses on disposal of securities, 

Traveling expenses, . 

Postage, .... 

Ledger credit balances, . 

Incidentals, 

Total expenses, . 



Total disbursements, 



Balance on hand Dec. 31, 1897, 

Emergency fund, 

Expense fund, .... 



1897. 

$629,202 75 
15,352 62 
77,913 94 



$346,508 05 
9,597 96 
55,141 65 
27,897 30 
89,301 22 
49,433 94 
22,209 49 
52,319 32 
23,119 83 
45,456 17 
1,434 04 
5,070 01 
21,447 88 
13,253 14 
11,221 56 
13,919 44 



$722,469 31 



787,331 00 
$1,509,800 31 
$2,005,055 18 



$1,998,885 85 
6,169 33 



334 



THE FIDELITY MUTUAL LIFE ASSOCIATION. 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, . 
Loans on mortgages, 

secured by pledge of bonds, stocks, etc 

on policies, .... 

secured by liens on policies, . 
Cost value of bonds and stocks owned, 
Cash in office, . 
Cash in bank, . 
Balances due from agents 
Bills receivable, 
All other assets, 

Total 

Deduct balances due to agents and others, 

Ledger assets, as per balance, . 



$1,157,766 64 

285,335 46 

46,913 64 

57,603 09 

69,277 99 

99,126 25 

566 65 

52,330 23 

199,407 35 

13,175 62 

29,657 82 

$2,011,160 74 

6,105 56 

$2,005,055 18 



Xon-Ledger Assets. 

Interest due, $3,027.22; accrued, $7,251. 11, . $10,278 33 

Rents, 2,727 20 

Market value of bonds and stocks over cost, . 1,511 75 

Total non-ledger assets, .... 



14,5 r 



Gross assets, $2,019,572 46 



Deduct Assets not admitted. 



Supplies, printed matter and stationery, . 
Balances due from agents, not secured by bonds, 
Bills receivable, not secured, .... 
Due from suspended banks, .... 
Total, 

Total admitted assets, .... 



$2,499 89 

141,303 75 

13,175 62 

1.069 39 



158,048 65 



. $1,861,523 81 



Liabilities. 

Death claims due and unpaid, .... $5,498 35 

Salaries, rents, expenses, etc., due or accrued, 5,000 00 

Advance assessments, 1,000 00 

Policy reserve, 493,244 28 

Total, 



504,742 63 



Balance, $1,356,781 18 



GREENFIELD LIFE ASSOCIATION. 



335 



Unmatured Mortuary and Disability Liabilities. 

Claims adjusted, not due, $6,000 00 

in process of adjustment, . . . 87,000 00 

resisted, 42,000 00 

reported, not in process, . . . 43,000 00 
Total, $178,000 00 



Business of 1897. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 






In force January 1, . 
Written during the year, . 


29,005 
8,524 


$67,412,956 00 
19,898,208 00 


1,476 
313 


$3,716,490 00 
804,838 00 


Total, .... 
Ceased during the rear, . 


37,529 

5,876 


$87,311,164 00 
14,437,437 00 


1,789 
230 


$4,521,328 00 
644,450 00 


In force December 31, 

Claims unpaid January 1, . 
Claims incurred in 1897, . 


31,653 

57 
284 


$72,873,727 00 

$147,500 00 
675,923 00 


1,559 

5 
20 


$3,876,878 00 

$19,000 00 
47,000 00 


Total,. ... 341 
Claims paid during the year, 267 


$823,423 00 
629,203 00 


25 
16 


$66,000 00 
50,648 00 


Balance, 
Deductions by compromisir 


74 
g. - 


$194,220 00 
10,722 00 


9 


$15,352 00 
352 00 


Claims unpaid Dec. 31 


, 74 


$183,498 00 


9 


$15,000 00 



GREENFIELD LIFE ASSOCIATION, GREENFIELD, MASS. 

[Incorporated June 28, 1895. Commenced business Oct. 8, 1895 ] 

Eben A. Hall, President. Herbert O. Edgerton, Secretary. 

Income during 1897. 

First year's assessments, expense, 

Subsequent years' assessments (expense, $7,992.44 ; mortuary, 

$8,066.33; emergency, $1,609.54), 
Interest, .... 
Advances to agents repaid, 
Donated by directors, 
All other sources, 



Total income, 
Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, 
Emergency fund, 
Expense fund, . 



$21,958 42 


17,668 31 


292 14 


2,441 56 


5,000 00 


1 73 


$47,362 16 


11,408 31 



$450 00 
5,073 50 
5,884 81 



Total, $58,770 47 



336 



GREENFIELD LIFE ASSOCIATION. 



Disbursements during 

Death claims, 

Advance payments returned, . 

Total paid to members, 
Commissions to ag'ts (new business, 115,113 46 

renewals, $43.98), 

Commissions for collecting assessments, . 
Salaries and allowances of managers and ag'ts 

of officers, 

and other compensation of office emp 
Medical examiner's feos, .... 
Rent, $451.94 ; .legal expenses, $145, 
Advertising and printing, . 

Agency expenses, 

Advances to agents, 

Borrowed money repaid, .... 

Incidentals, 

Total expenses, 



Total disbursements, 



Balance on hand Dec. 31, 1897, . 

Mortuary and disability fund, . 
Emergency fund, .... 
Expense fund, 



1897. 

$10,736 00 
123 01 



$15,157 44 

413 39 

1,768 29 

2,066 61 

1,116 35 

2,691 46 

596 94 

1,610 42 

2,674 16 

5,545 18 

600 00 

1,916 25 



$120 77 

10,895 24 

738 96 



$10,859 01 



36,156 49 



$47,015 50 



$11,754 97 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of bonds owned, 

Cash in office, 

Cash in bank, 

Massachusetts State treasurer, 

Ledger assets, as per balance, 



$1,160 00 

500 00 

1,169 27 

8.925 70 

$11,754 97 



Liabilities. 



Advance assessments, 
Balance, 



2,050 40 



?9,704 57 



Unmatured Mortuary and Disability Liabilities. 
Claims resisted $4,000 00 



Funds called for. 
Assessment issued, not yet due, 



$2,191 56 



HARTFORD LIFE INSURANCE COMPANY. 



337 



Business of 1897 (all in Massachusetts). 



In force January 1, . 
Written during the year, . 

Total 

Ceased during the year, . 

In force December 31, 

Claims unpaid January 1, . 
Claims incurred in 1897, . 

Total, .... 
Claims paid during the year, 

Balance, 
Deductions by compromising, 



Claims unpaid December 31, 



Number. Amount. 

1,059 $1,343,250 00 
1,001 1,447,600 00 



2,060 $2,790,850 00 

572 660,700 00 

1,488 $2,130,150 00 

1 $2,000 00 

12 13,500 00 



13 
10 



$15,500 00 
10,736 00 

$4,764 00 
764 00 

$4,000 00 



"HARTFORD LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1866. Commenced business of assessment insurance January, 1880.] 

R. B. Parker, President. W. A. Cowles, Asst. Secretary. 

Income during 1897. 

Membership fees, $95,586 00 

Annual dues, ' . . . . 266,206 83 

First year's assessments (expense, $28,35148; mortuary, 

$105,024.43; emergency, $15,690) 149,065 91 

Subsequent years' assessments (expense, $12,036.17 ; mortu- 
ary, $1,305,872.92 ; emergency, $22,237.31 ; taxes, $9,955 02, 1,350,101 42 
Medical examiner's fees paid by applicant, .... 22,217 06 

Interest, 63,777 05 

Advance payments, 6,367 61 

Total income, $1,953,321 88 

Balance on hand Dec. 31, 1896, 1,619,966 48 

Total $3,573,288 36 

Disbursements during 1897. 

Death claims, $1,472,750 46 

Advance payments applied on premiums, . 7,764 55 

Apportioned to members, .... 76,625 97 

Total paid to members, .... $1,557,140 98 



338 



HARTFORD LIFE INSURANCE COMPANY. 



Commissions to agents (new business, $119,- 

157.88; renewals, $50,511.44) 

Salaries and allowances of managers and ag'ts, 

of officers, 

and other compensation of office emp., 
Medical examiner's fees, .... 

Taxes and fees, 

Rent, $8,304.79 ; legal expenses, $ 2,928.96, 
Advertising and printing, 

Postage, 

Traveling expenses, 

Dividends on capital, .... 
Transferred to stock department, . 

Incidentals, 

Total expenses, 



Total disbursements, 

Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, . 
Emergency fund, . . . 
Expense fund, .... 



$169,669 

8,075 
21,899 
40,619 
25,383 
16,075 
11,233 

8,190 
11,426 

5,449 
40,000 
68,000 

9,246 



32 
00 
97 
14 
06 
02 
75 
99 
73 
47 
00 
00 
59 



- $435,269 04 
. $1,992,410 02 
. $1,580,878 34 



$28,563 

1,251,520 

300,794 



67 
30 
37 



Invested in the following : — 

Assets as per Ledger Accounts. 
Loans secured by pledge of bonds, stocks, etc., 
Cost value of bonds and stocks owned, .... 

Cash in office, 

Cash in bank, 

Safety fund deposit, 



Ledger assets, as per balance, . 

Non-Ledger Assets. 



Interest accrued, 

Gross assets, 

Deduct Assets not admitted 
Cost of ledger assets above present market value, . 

Total admitted assets, 

Liabilities. 
Death claims due and unpaid, .... 



$20,000 00 

240,587 26 

5,717 20 

122,383 13 

1,192,190 75 

$1,580,878 34 



4,630 12 
$1,585,508 46 



8,888 73 
$1,576,619 73 



Salaries, rents, expenses, etc., due or accrued, 

Advance assessments, 

Capital stock, 

All other {not including unmatured claims), . 
Total, 



$250 

573 

2,669 

250,000 

1,082 



00 
60 
18 
00 
00 



254,574 78 



Balance, $1,322,044 95 



INDUSTRIAL MUTUAL ACCIDENT ASSOCIATION. 



339 



Unmatured Mortuary and Disability Liabilities. 



Claims adjusted, not due, . 

in process of adjustment, 
resisted, 

reported, not in process, 
Total, 



8195,600 00 

7,000 00 

25,000 00 

94,500 00 



$322,100 00 



Business of 1897. 



Total Business. 
Number. Amount 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 



Mass. Business. 
Number. Amount. 

43,964 $91,582,200 00 2,644 $5,480,500 00 
5,470 9,149,400 00 366 641,000 00 



49,434 $100,731,600 00 3,010 $6,121,500 00 
5,316 10,664,000 00 364 716,500 00 



In force December 31, 44,118 $90,067,600 00 2,646 85,405,000 00 



Claims unpaid January 1, 
Claims incurred in 1897, . 



149 
649 



Total,. ... 798 

Claims paid during the year, 676 

Balance, ... 122 
Deductions by compromising, 



8326,250 00 
1,482,459 00 

81,808,709 00 
1,472,750 00 

8335,959 00 
13,609 00 



5 
25 



30 

28 



Clajms unpaid Dec. 31, 122 8322,350 00 



87,000 00 
49,000 00 

856,000 00 
49,841 00 

86,159 00 
159 00 

86,000 00 



INDUSTRIAL MUTUAL ACCIDENT ASSOCIATION,* BOSTON. 

[Incorporated May 11, 1896. Commenced business Dec. 1, 1896.] 

Sampson Da we, President. Richard H. Archibald, Secretary. 

Office, 621 Massachusetts Avenue. 



Income during 1897. 

Assessments (expense, 82,305.21 ; mortuary, 8652.54), . 
Interest, 



Total income, 
Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, . 
Emergency fund, 
Advance assessments, 



8112 75 
500 00 
108 50 



Total, 



$2,957 75 
15 10 

82,972 85 
721 25 



83,694 10 



* April 9, 1898, this company reinsured all its outstanding risks in the Equitable Accident 
Insurance Association. 



340 



INDUSTRIAL MUTUAL ACCIDENT ASSOCIATION. 



Disbursements during 1897 
Disability claims, 
Commissions to agents, . 

Rent, 

Advertising and printing, 
Borrowed money repaid, . 
Incidentals, 

Total expenses, . 



Total disbursements, . 

Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, . 
Emergency fund, 
Expense fund, .... 
Advance assessments, 



$780 26 



$1,398 69 


405 00 


146 95 


53 06 


71 38 



2,075 08 



$2,855 34 

$838 76 



$14 83 

515 10 

221 33 

87 50 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cash in office, 

Cash in bank, 



$323 66 
515 10 



Ledger assets, as per balance, . 

Liabilities. 

Borrowed money, 

Advance assessments, .... 
Total, 



$838 76 



$400 12 
87 50 



487 62 



Balance, 



Unmatured Mortuary and Disability Liabilities. 
Claims in process of adjustment, 

Funds called for. 
Assessment issued, not yet due, 

Business of 1897. 



$351 14 



$100 00 



$48 25 



In force January 1, . 
Written during the year, . 


Total Business. 
Number. Amount. 

572 $184,800 00 
495 128,950 00 


Mass. 
Number. 

571 
495 


Business. 

Amount. 

$184,600 00 
128,950 00 


Total,. 
Ceased during the year, . 


1,067 $313,750 00 
696 206,900 00 


1,066 
695 


$313,550 00 
206,700 00 


In force December 31, 

Claims incurred in 1897, . 
Claims paid during the year, 


371 $106,850 00 

43 $880 00 
42 780 00 


371 

43 
42 


$106,850 00 

$880 00 
780 00 



Claims unpaid Dec. 31, 



$100 00 



$100 00 



MAINE BENEFIT LIFE ASSOCIATION. 



341 



"MAINE BENEFIT LIFE ASSOCIATION," AUBURN, ME. 

[Incorporated March 5, 1885. Commenced business March 17, 1885.] 

George C. Wing, President. Nathan W. Harris, Secretary. 

Income during 1897. 



Annual dues, 

First year's assessments, . 

Subsequent years' assessments (mortuary 

gency, $11,052.17), 
Interest, $5,614.63 ; rents, $187.50, . 
Profit on disposal of securities, 
Correction to bring bonds to cost value, 
All other sources, .... 



Total income, 
Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, . 
Emergency fund, 
Expense fund, . 



, $169,961.46 ; emer- 



$19,079 95 


10,774 24 


181,013 63 


5,802 13 


995 00 


285 00 


365 61 


$218,315 56 


114,447 94 



$6,850 56 

107,500 00 

97 38 



Total, $332,763 50 



Disbursements during 1897. 



Death claims, 

Commissions to ag'ts (new business, $6,285.69 
renewals, $1,437.24), . . . 

Commissions for collecting assessments, 

Salaries and allowances of managers and ag'ts 
and other compensation of officers, 
and other compensation of office emp. 

Medical examiner's fees, . . ' 

Taxes and fees, 

Rent, $1,801.86 ; legal expenses, $1,215.34, 

Advertising and printing, 

Incidentals, 

Total expenses, 



Total disbursements, 



Balance on hand Dec. 31, 1897, . 

Mortuary and disability fund, . 
Emergency fund, .... 
Expense fund, 



$7,722 93 
4,123 37 
9,294 24 
5,764 53 
2,258 75 
2,092 90 
315 13 
3,017 20 
1,251 20 
4,177 21 



$4,869 10 

118,785 00 

28 36 



$169,063 58 



40,017 46 



$209,081 04 
$123,682 46 



342 



MAINE BENEFIT LIFE ASSOCIATION. 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of bonds owned, 

Cash in office, 

Cash in bank, 



Ledger assets, as per balance, . 

Non-Ledg] 
Interest accrued, 

Market value of bonds over cost, 

Balances due from agents, 

Bills receivable, 

Office furniture, supplies, etc., 

Total non-ledger assets, 



$118,785 00 

267 48 
4,629 98 



Gross assets, 



. 


? 123,682 40 


s. 

?525 01 




6,300 00 




57 50 




284 84 




1,000 00 






8,167 35 





$131,849 81 



Deduct Assets not admitted. 
Furniture, fixtures and safes, .... $ 700 00 
Supplies, printed matter and stationery, . . 300 00 

Balances due from agents, not secured by b'ds, 57 50 

Bills receivable, not secured, .... 284 84 

Total, 



1,342 34 



Total admitted assets, 



$130,507 47 



Liabilities. 

Salaries, rents, expenses, etc., due or accrued, $1,099 71 

Borrowed money, 1,500 00 

Advance assessments, 60 88 

Total, 



2,660 59 



Balance, $127,846 88 

Unmatured Mortuary and Disability Liabilities. 
Claims adjusted, not due, .... $26,040 00 

in process of adjustment, . . . 6,500 00 

resisted, 3,500 00 

Total, f 36,040 00 



Funds called for. 
Assessment issued, not yet due, 



$26,411 97 



Business of 1897. 

Total Business. Mass. Brsixsss. 

Number. Amount. Number. Amount. 

In force January 1, . . 6,041 $11,352,000 00 1,284 £2,132,000 00 

Written during the year, . 1,588 1,081,492 00 459 405,250 00 

Increased during the year, - 1,500 00 - 1,500 00 



Total 7,629 $12,434,992 00 1,743 $2,538,750 00 

Ceased during the year, . 1,577 1,934,614 00 652 696,500 00 



In force December 31, 6,052 $10,500,378 00 1,091 $1,842,250 00 



THE MASONIC EQUITABLE ACCIDENT ASS'N OF THE WORLD. 343 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

Claims unpaid January 1, 22 $49,250 00 5 $8,000 00 

Claims incurred in 1897, . 85 159,580 00 25 27,750 00 



Total, .... 107 $208,830 00 30 $35,750 00 

Claims paid during the year, 88 169,064 00 24 26,899 00 



Balance, ... 19 $39,767 00 6 $8,851 00 

Deductions by compromising, - 3,726 00 - 1,851 00 



ClaimsunpaidDec.31, 19 $36,040 00 6 $7,000 00 



THE MASONIC EQUITABLE ACCIDENT ASSOCIATION OF THE 

WORLD, BOSTON. 

[Incorporated Dec. 11, 1891. Commenced business Jan. 1, 1892.] 

Albert C. Smith, President. David T. Montague, Secretary. 

Office, 131 Devonshire Street. 

Income during 1897. 

Membership fees, $18,010 00 

Assessments (expense, $ 26,624.73 ; mortuary, $ 58,844.52), . 65,469 25 

Interest, c . 658 38 

Borrowed money, 500 00 



Total income, $104,637 63 

Balance on hand Dec. 31, 1896, 20,331 33 

Mortuary and disability fund, .... $6,817 33 

Emergency fund, 11,089 00 

Expense fund, 2,425 00 



Total, $124,968 96 

Disbursements during 1897. 

Death claims, $ 13,600 ; disability claims, $38,- 
087.58, $51,687 58 



Advance payments returned, . 

Total paid to members, 
Commissions to agents (new business, $18,010 

renewals, $1,700.36), .... 
Commissions for collecting assessments, 

Salaries of officers, 

Salaries and other compensation of office emp. 
Medical examiner's fees, .... 
Taxes and fees, 



91 35 



$19,710 36 

3,442 54 

11,511 54 

3,460 40 

1,160 00 

961 57 



$51,778 93 



344 THE MASONIC EQUITABLE ACCIDENT ASS'N OF THE WORLD. 



Rent, 

Advertising and printing, 
Expense of settling claims, 
Borrowed money repaid, . 
Incidentals, 

Total expenses, . 



$1,099 23 

1,741 68 

3,032 91 

500 00 

2,509 85 



?49,130 08 



Total disbursements, f 100,909 01 



Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, . 

Emergency fund, 

Expense fund, .... 



$24,059 95 



$9,761 24 

12,856 50 

1,442 21 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of stocks owned, 

Cash in office, 

in bank, 

in transit, since received, 
Interest in hands of State treasurer, 

Ledger assets, as per balance, . 



$12,856 50 

4,050 00 

6,211 93 

671 52 

270 00 

^24,059 95 



Deduct Assets not admitted. 
Cost of ledger assets above present market value, . 



Total admitted assets, 



604 00 



$23,455 95 



Liabilities. 

Salaries, rents, expenses, etc., due or accrued, 

Advance assessments, 

Total,. 



6877 24 
2,353 00 



3,230 24 



Balance, $20,225 71 



Unmatured Mortuary and Disability Liabilities. 

Claims resisted, $1,300 00 

Claims reported, not in process (estimated), . 3,126 69 

Total, -54.426 69 



Funds called for. 
Assessment issued, not vet clue, , 



-4 00 



MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 345 



In force January 1, 
Written during the year, 

Total, . 
Ceased during the year, 

In force December 31, 

Claims unpaid January 1, 
Claims incurred in 1897, 



Total, . 
Claims paid during the year, 901 



Business of 1897. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

8,548 $32,030,250 00 3,986 $16,641,000 00 

3,617 11,525,150 00 542 1,999,150 00 



12,165 $43,555,400 00 4,528 $18,640,150 00 
4,402 14,415,300 00 70-1 2,963,250 00 



7,763 

36 
894 


$29,140,100 00 

$11,296 00 
54,568 00 


3,824 $15,676,900 00 

10 $4,027 00 
249 10,867 00 


930 
901 


$65,864 00 
51,687 00 


259 
251 


$14,894 00 
12,912 00 


29* 

r _ 

5' 


$14,177 00* 
9,300 00 


8* 


$1,982 00* 
400 00 


28 


$4,427 00 


7 


$1,132 00 



Balance, 
Deductions by compromising, 

Claims unpaid Dec. 31, 



MASONS 1 FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 

WESTFIELD, MASS. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Provin, President. Frank Bowler, Secretary. 

Income during 1897. 

Membership fees, $25,660 00 

Annual dues, 41,768 50 

Assessments (expense, $9,076.50; mortuary, $71,593), . . 80,669 50 

Interest, . . . .- . 686 40 

Borrowed money, 33,500 00 

Total income, $182,284 40 

Balance on hand Dec. 31, 1896, 19,717 69 

Mortuary and disability fund, .... $1,244 75 

Emergency fund, 15,096 44 

Expense fund, 3,376 50 

Total, $202,002 09 

Disbursements during 1897. 
Death claims, $21,097.65; disability claims, 

$53,980.67, $75,078 32 

Assessments returned, 84 75 

Total paid to members, .... $75,163 07 

* Including one claim of $450 in which suit was decided in favor of company. 



346 MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA. 



Commissions to agents (new business, £25,660 
renewals, $2,551.42), .... 

Commissions for collecting assessments, . 

Salaries and allowances of managers and ag'ts 
and other compensation of officers, 
and other compensation of office emp. 

Medical examiner's fees, .... 

Insurance department fees and licenses, . 

Rent, $1,139.99 ; legal expenses, $4,203.42, 

Advertising and printing, . 

Furniture, .... 

Borrowed money repaid, . 

Incidentals, 

Total expenses, . 



Total disbursements, 



Balance on hand Dec. 31, 1897, . 

Mortuary and disability fund, . 

Emergency fund, . 

Expense fund, 



$28,211 42 

4,036 99 

17,093 07 

12,108 42 

5,208 50 

536 00 

452 02 

5,343 41 

2,993 29 

792 72 

22,400 00 

5,687 28 



$104,863 12 



$180,026 19 



$21,975 90 



$933 98* 
15,866 40 
5,175 52 



Invested in the following : — 

Assets as per Ledger Accounts 

Loans secured by pledge of bonds, stocks, etc., 

Cost value of stocks owned, 

Cash in bank, 

Cash in hands of State treasurer, .... 

Ledger assets, as per balance, .... 



$12,600 00 

2,580 00 

6,109 50 

686 40 

821,975 90 



Non-Ledger Assets 

Market value of stocks over cost, 
Furniture, fixtures and supplies, 

Total non-ledger assets, .... 



$306 00 
5,500 00 



5,806 00 



Gross assets, $27,781 90 



Deduct Assets not admitted. 
Furniture, fixtures and safes, .... $4,000 00 
Supplies, printed matter and stationery, . . 1,500 00 
Total, 

Total admitted assets, 



* $12,500 due from this fund to the expense fund. 



5,500 00 



$22,281 90 



THE MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 347 



Liabilities. 



Borrowed money, 
Advance assessments, 
Total, . 



$1 1,100 00 
2,435 50 



$13,535 50 



Balance, 



5,746 40 



Unmatured Mortuary and Disability Liabilities. 



Claims adjusted, not yet due, . 
in process of adjustment, 
resisted,. 

reported, not in process, 
Total 



$5,403 64 

10,665 82 

9,240 00 

260 00 



Funds called for. 
Assessment issued, not yet due, 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 



Business of 1897. 

Total Business. 
Number. Amount. 

12,266 $49,642,540 00 
5,132 18,175,250 00 



$25,569 46 
$21,353 50 



Mass. Business. 
Number. Amount. 

1,210 $4,921,160 00 
93 335,400 00 



17,398 $67,817,790 00 
5,121 17,923,500 00 



1,303 $5,256,560 00 
202 726,800 00 



In force December 31, 12,277 $49,894,290 00 1,101 $4,529,760 00 

Claims unpaid January 1, 
Claims incurred in 1897, . 



210 


$48,629 00 


9 


$1,141 00 


801 


73,421 00 


68 


6,637 33 



Total, .... 
Claims paid during the year, 



Balance, 
Deductions by compromising, 



Claims unpaid Dec. 31, 



1,011 

822 


$122,050 00 
75,078 00 


189 


$46,972 00 
21,402 00 


189 


$25,570 00 



77 
61 



^7,778 33 
6,104 45 



16 



16 



$1,673 88 



$1,673 88 



THE MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION, 

BOSTON. 

[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 1884.] 

Daniel Lovering, Jr., President. G. Leonard McNeill, Secretary. 

Office^ 131 Devonshire Street. 

Income during 1897. 

Membership fees, $18,667 00 

Renewal fees, 9,722 40 

Assessments (expense, $20,379.18 ; mortuary, $40,758.36), . 01,137 54 



348 THE MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 



Interest, 

All other sources, 



f928 34 
6 27 



Total income, 
Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, . 
Emergency fund, 
Expense fund, .... 



890,461 56 
25,554 27 



$10,704 30 

10,447 46 

4,402 51 



Total, $116,015 82 



Disbursements during 
Death claims, $1,000; disability claims, $26,- 

578.87 

Apportioned to members, .... 

Total paid to members, 
Commissions to agents (new business, $19, 

896.07 ; renewals, $5,701.73), 
Salaries and allowances of managers and ag'ts 
and other compensation of officers, 
and other compensation of office emp. 
Medical examiner's fees, . 
Taxes and fees, .... 
Rent, $800; legal expenses, $1,120.17, 
Advertising and printing, . 
Adjusting claims, 
Incidentals, .... 
Total expenses, . 

Total disbursements, . 

Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, . 
Emergency fund, 
Expense fund, .... 
Advance payments, . 



1897. 



$27,578 87 
456 68 



$25,597 80 
2,760 90 
6,725 00 
4,906 09 
1,447 97 
694 77 
1,920 17 
3,656 68 
2,287 40 
4,127 55 



$14,657 97 

12,500 00 

1,795 55 

4,902 42 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of bonds owned, 
Cash in office, . 
Cash in bank, . 
Balances due from agents 
Bills receivable, 

Total, . 
Deduct balances due to agents, 

Ledger assets, as per balance, 



$28,035 55 



54,124 33 
$82,159 88 
$33,855 94 



$25,668 08 

408 57 

6,162 00 

1,280 72 

537 12 

£34,056 49 
200 55 

$33,855 94 



THE MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION. 349 



Non-Ledger Assets. 

Market value of bonds over cost, . . . $168 04 

Office furniture and fixtures, .... 2,002 67 

Total non-ledger assets, .... $2,170 71 

Gross assets, $36,026 65 

Deduct Assets not admitted. 

Furniture, fixtures and safes, .... $ 2,002 67 

Balances due from agents, not secured by bonds, 1,280 72 

Total, 3,283 39 

Total admitted assets, $32,743 26 

Liabilities. 

Salai'ies, rents, expenses, etc., due or accrued, $200 55 

Advance assessments, 4,902 42 

Capital stock, 3,000 00 

Total 8,102 97 

Balance, $24,640 29 

Unmatured Mortuary and Disability Liabilities. 

Claims in process of adjustment, $407 14 

resisted, 1,750 00 

reported, not in process (41), -* 

Funds called for. 
Assessment issued, not yet due, $6,039 00 

Business of 1897. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . 4,626 $17,824,250 00 2,548 $10,073,500 00 
Written during the year, . 4,069 11,098,450 00 1,480 3,749,750 00 

Total,. . . . 8,695 $28,922,700 00 4,028 $ 13,823,250 00 
Ceased during the year, . 3,202 7,888,075 00 1,577 3,432,125 00 

In force December 31, 5,493 $21,034,625 00 2,451 $10,391,125 00 

Claims unpaid January 1, 6 $6,861 00 3 $6,550 00 

Claims incurred in 1897, . 689 29,175 00f 272 12,901 00f 

Total,. ... 695 $36,036 00f 275 $19,451 00f 

Claims paid during the year, 651 27,579 00 252 10,994 00 

Balance, ... 44 $8,457 00f 23 $8,457 00f 

Deductions by compromising, - 6,300 00 - 6,300 00 

Claims unpaid Dec. 31, 44 $2,157 00f 23 $2,157 00f 

* Amount unknown. 

f Not including in the total business 41 reported claims, and in the Massachusetts business 
20, the amount of which is unknown, no proofs of loss having been received. 



350 merchants' and manufacturers' life association 



MERCHANTS 1 AND MANUFACTURERS 1 LIFE ASSOCIATION, 

WESTFIELD, MASS. 

[Incorporated Nov. 7, 1894. Commenced business Jan. 3, 1895.] 

R. M. Fairfield, President. E. L. Goodnow, Secretary. 



Income during 1897. 

Annual dues, 

First year's assessments, expense, . 
Subsequent years 1 assessments (expense, $103.34 ; 

$16,644.87; emergency, $78.02), . 
Interest, 



Total income, 
Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, . 
Emergency fund, 
Expense fund, .... 



Total, 



mortuary 



$5,186 75 

5,202 45 

66 48 



$4,968 20 
9,344 27 

16,826 23 
200 00 

131,338 70 
10,455 68 



$41,794 38 



Disbursements during 1897. 

Death claims, $10,000 00 

Advance payments returned, . 

Total paid to members, 
Commissions to agents (new business, $8,499.27 
renewals, $106.83), .... 

Salaries of officers, 

Salaries and other compensation of office emp. 
Medical examiner's fees, .... 
Insurance department fees and licenses, . 
Rent, $715.50 ; legal expenses, $37, . 
Advertising and printing, .... 
Incidentals, 

Total expenses, 



Total disbursements, . 
Balance on hand Dec. 31, 1897, . 

Mortuary and disability fund, . 
Emergency fund, .... 
Expense fund, 



Invested in the following : — 



4 58 



$8,606 10 

1,082 87 

619 50 

264 00 

149 92 

752 50 

1,778 85 

1,409 99 



$11,589 58 

5,484 41 

52 08 



Assets as per Ledger Accounts. 

Cost value of bonds owned, 

Cash in office, 



$10,004 58 



14,663 73 
$24,668 31 
$17,126 07 



$2,082 45 
896 85 



merchants' and manufacturers' life association. 351 

Cash in bank, $8,826 77 

Town of VVestfield notes, 5,000 00 

Massachusetts State treasurer, 320 00 

Ledger assets, as per balance, $17,126 07 

Non-Ledger Assets. 
Interest accrued, 28 30 

Gross assets, $17,154 37 

Deduct Assets not admitted. 
Cost of ledger assets above present market value, $12 45 

Special deposit with Missouri insurance depart., 1,000 00 

Total 1,012 45 

Total admitted assets, $16,141 92 

Liabilities. 

Salaries, rents, expenses, etc., due or accrued, $125 00 

Advance assessments, 19 86 

Total, ■ — 144 86 

Balance, $15,997 06 

Unmatured Mortuary and Disability Liabilities. 

Claims resisted, $1,000 00 

Claims reported, not in process, . . . 1,000 00 

Total, $2,000 00 

Funds called for. 
Assessment issued, not yet due, ...... $587 78 

Business of 1897. 

Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

In force January 1, . . 1,615 $2,275,000 00 1,581 $2,224,000 00 
Written during the year, . 336 630,750 00 185 396,000 00 

Total, .... 1,951 $2,905,750 00 1,766 $2,620,000 00 
Ceased during the year, . 327 617,500 00 294 451,500 00 

In force December 31, 1,624 $2,288,250 00 1,472 $2,168,500 00 

Claims incurred in 1897, . 11 $16,000 00 10 $15,000 00 

Claims paid during the year, 9 10,000 00 9 10,000 00 

Balance, ... 2 $6,000 00 1 $5,000 00 

Deductions by compromising, - 4,000 00 - 4,000 00 

Claims unpaid Dec. 31, 2 $2,000 00 1 $1,000 00 



352 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



" MUTUAL RESERVE FUND LIFE ASSOCIATION," 
NEW YORK, N. Y. 

[Incorporated Feb. 9, 1881. Commenced business Feb. 9, 1881.] 

Frederick A. Burnham, President. Charles VV. Camp, Secretary. 



Income during 1897. 

Membership fees, 

Annual dues, 

First year's assessments (mortuary, $66,639.55 ; emergency, 
$89,868 58), . 

Subsequent years' assessments (expense, $423,482.22 ; mort- 
uary, $3,608,707.25; emergency, $8,441.92; surrendered 
policies, $9,909.87) 

Special deposits, 

Fees for alterations in policies, 

Medical examiner's fees paid by applicant, 

Interest, $135,818.48; rents, $149,902.20,. 



Total income, '. 
Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, . 
Emergency fund, 
Expense fund, .... 



Total, 



$59,615 55 
1,490,271 44 

156,508 13 



4,050,541 26 

18,876 33 

1,065 48 

18,711 00 

285,720 68 

$6,081,309 87 

4,240,375 53 



$18,880 46 

3,506,519 42 

714,975 65 



$10,321,685 40 



Disbursements during 1897. 
Death claims, $4,060,479.14 ; disability claims, 

$11,604.31, . " . . . ' . . . $4,072,083 45 

Advance payments returned, .... 970 74 

Apportioned to members, 89,549 29 

Total paid to members, .... 

Commissions to agents (new business, $545,- 

250.67; renewals, $63,575.22), . . . $608,825 89 

Commissions for collecting assessments, . . 70,326 74 

Salaries and allowances of managers and ag'ts, 48,462 59 

of officers 116,485 47 

and other compensation of office emp., 250,890 56 

Medical examiner's fees, 62,882 61 

Taxes and fees, 48,338 33 

Rent, $83,620.89 ; legal expenses, $22,605.25, . 106,226 14 

Advertising and printing, 89,073 29 

Investigating and adjusting claims, . . . 73,268 23 

Traveling expense, 14,495 73 

Actuaries' expense, 16,795 00 

Postage, 35,553 04 



$4,162,603 48 



MUTUAL RESERVE FUND LIFE ASSOCIATION. 



353 



Agency expense, 
Investment expense, . 
Expenses and repairs on real estate 
General office expense, 
Depreciation of 1896 assets, 
Total expenses, . 



Total disbursements, 



Balance on hand Dec. 31, 1897, 

Emergency fund, 

Expense fund, .... 



$54,987 27 

2,304 00 

118,463 83 

83,100 G7 

219,235 24 



1,019,714 63 



1,182,318 11 



. $4,1 39,367 29 



1,378,703 35 
760,663 94 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgages, 

Cost value of bonds owned, 

Cash in office, . 

Cash in bank, . 

Balances due from agents 

Furniture and fixtures, 

Cash in transit, since received, 

Total 

Deduct balances due to agents, 

Ledger assets, as per balance, . 



$535,528 14 

1,724,800 00 

324,118 29 

960 84 

885,186 33 

466,524 09 

56,377 73 

151,310 01 

$4,144,805 43 
5,438 14 

$4,139,367 29 



Non-Ledger Assets. 

Interest due, $9,068.36 ; accrued, $16,324.28, . $25,392 64 

Rents due, $4,488.68 ; accrued, $3,433.33, . 7,922 01 

Market value of real estate over cost value, . 8,631 46 

Market value of bonds and stocks over cost, . 36,556 80 

Total non-ledger assets, .... 



78,502 91 



Gross assets, $4,217,870 20 



Deduct Assets not admitted. 

Furniture, fixtures and safes, .... $56,377 73 

Balances due from agents, not secured by bonds, 200,000 00 

Special deposits, 143,368 96 

Special reserve, 16,353 05 

Total, 



416,099 74 



Total admitted assets, 



. $3,801,770 46 



354 MUTUAL RESERVE FUND LIFE ASSOCIATION. 



Liabilities. 

Death claims due and unpaid, .... $5,000 00 

Advance assessments, 175,800 50 

Outstanding bond obligations, .... 165,952 28 

Dividend obligations due or accrued, . . 29,246 35 



Gross liabilities, $375,999 13 

Deduct liability on special deposits, . . 27,013 36 

Total $348,985 77 



Balance, 13,452,784 69 



Unmatured Mortuary and Disability Liabilities 

Claims adjusted, not yet due, .... $511,642 00 
in process of adjustment, 
resisted, 

reported, not in process, 
Total, 



572,847 61 
184,500 00 
463,895 25 
$1,732,884 86 



Funds called for. 
Assessment issued, not yet due, $766,394 00 

Business of 1897. 

Total Business. Mass. Bcsisess. 

Number. Amount. Number. Amount 

In force January 1, . .118,449 $325,026,06100 2 ? 803 $9,322,950 00 

Written during the year, . 21,763 56,234,785 # 00 768 2,223,500 00 

Total, .... 140,212 $381,260,846 00 3,571 $11,546,450 00 

Ceased during the year, . 28,304 79,693,745 00 887 3,136,000 00 



In force December 31, 111,908 $301,567,10100 2,684 $8,410,450 00 

Claims unpaid January 1, 338 $1,236,354 00 12 $39,000 00 

Claims incurred in 1897, . 1,492 4,739,767 00 37 137,800 00 



Total,. . . . 1,830 $5,976,12100 49 $176,800 00 

Claims paid during the year, 1,352 4,072,083 00 39 135,699 00 



Balance, ... 478 $1,904,038 00 10 $41,101 00 

Deductions by compromising, - 166,153 00 - 2,601 00 



Claims unpaid Dec. 31, 478 $1,737,885 00 10 -,500 00 



NATIONAL ACCIDENT SOCIETY. 



355 



"NATIONAL ACCIDENT SOCIETY," NEW YORK, N.Y. 

[Incorporated Nov. 2, 1885. Commenced business Dec. 15, 1885.] 

Charles H. Webb, President. Joseph I. Barnum, Secretary. 

Income during 1897. 
Assessments (expense, $ 25,438 57; mortuary, $26,217.59), . $51,656 18 



Interest, 



1,024 10 



Total income, $52,680 26 

Balance on hand Dec. 31, 1896, 35,910 91 



Total, 



$88,591 17 



Disbursements during 1897. 

Disability claims, $15,686 84 

Commissions for collecting assessments, 

Salaries and other compensation of office emp., 

Medical examiner's fees, . 

Taxes and fees, . 

Rent, f 1,958.31 ; legal expenses, $5,238.30, 



Advertising and printing, 
Incidentals, 

Total expenses, . 

Total disbursements, . 

Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, . 
Emergency fund, . 
Expense fund, .... 



$9,970 66 

9,909 92 

102 00 

472 56 

7,196 61 

3,818 63 

3,198 54 



$13,851 52 

17,200 70 

7,183 19 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of bonds owned, 
Cash in office, . 
Cash in bank, . 
Balances due from agents, 
Bills receivable, 

Ledger assets, as per balance, 



Deduct Assets not admitted. 

Bills receivable not secured, .... $1,500 00 
Cost of ledger assets above present market 

value, 478 75 

Total 

Total admitted assets, 



34,668 92 



,355 76 



$38,235 41 



$17,503 75 

1,014 02 

14,856 97 

3,360 67 

1,500 00 

$38,235 41 



1,978 75 



$36,256 66 



356 NEW ENGLAND COMMERCIAL TRAVELERS* ASSOCIATION. 



Liabilities. 

Salaries, rents, expenses, etc., due or accrued, 

Advance assessments, 

Total, 



$237 43 
1,492 87 



$1,730 30 



Balance, $34,526 36 

Unmatured Mortuary and Disability Liabilities. 
Claims adjusted, not yet due, .... $2,130 

in process of adjustment, 
resisted, . . . 
reported, not in process, 
Total, 



Funds called for. 
Assessment issued, not yet due, 

Business of 1897. 



103 96 
8,700 00 

1,066 42 


$7,009 66 
$13,141 50 





Total Business. Mass. Bcsiness. 

Number. Amount. Number. Amount. 



In force January 1, . 
Written during the year, . 


3,108 
1,759 


$26,685,000 00 
14,030,750 00 


64 
127 


$567,500 00 
991,500 00 


Total,. 
Ceased during the year, . 


4,867 
1,551 


$40,715,750 00 
12,636,000 00 


191 
68 


$1,559,000 00 
528,750 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred in 1897, . 


3,316 

46 
186 


$28,079,750 00 

$6,889 00 
15,808 00 


123 

1 
5 


$1,030,250 00 

$64 00 
374 00 


Total, .... 
Claims paid during the year, 


232 
191 


122,697 00 
15,687 00 


6 
5 


$438 00 
388 00 


Claims unpaid Dec. 31, 


41 


$7,010 00 


1 


$50 00 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION, 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Jan. 24, 1S77.] 

Edward J. H. Estabrooks, President. Walter P. Tilton, Secretary. 

Office, 165 Devonshire Street. 



Income during 1897. 

Membership fees, 

Annual dues, 

First year's assessments, mortuary, ... 



$33 00 

2,196 25 
6 00 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION. 357 

Subsequent years' assessments, mortuary, .... $24,978 00 

Interest, T 1,036 61 

All other sources, 373 00 

Total income $28,622 86 

Balance on hand Dec. 31, 1896, 34,763 50 

Mortuary fund $8,976 50 

Reserve fund, 23,377 29 

Expense fund, 2,409 71 

Total, $63,386 36 



Disbursements during 1897. 

Death claims, $27,170 00 

Commissions to agents, $55 00 

Salaries and other compensation of officers, . 1,350 00 

Rent, $345.26 ; legal expenses, $210, . . 555 26 

Stationery and printing, 231 40 

Incidentals, 336 17 

Total expenses, 2,527 83 

Total disbursements, $29,697 83 

Balance on hand Dec. 31, 1897, $33,688 53 

Mortuary fund, $6,790 50 

Reserve fund, 24,232 29 

Expense fund, 2,665 74 

Invested in the following: — 

Assets as per Ledger Accounts. 

Cost value of bonds owned, $23,188 97 

Cash in office, 113 62 

in bank, 9,868 44 

with State treasurer, 517 50 

Ledger assets, as per balance, $33,688 53 

Deduct Assets not admitted. 
Cost of ledger assets above present market value, ... 88 97 

Total admitted assets, $33,599 56 

Unmatured Mortuary Liabilities. 
Claims reported, not in process, $1,758 00 



358 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION. 



Business of 1897. 



In force January 1, . 
"Written during the year, . 


Total 

Number. 

928 
15 

943 
64 

. 879 

3 
13 

16 
15 

1 


Business. 

Amount. 

_» 

_* 


Mass. 
Number. 

689 
12 

701 
50 

651 

2 
12 

14 
13 

1 


Bcsisess. 
Amount. 

_* 

_* 


Total, .... 
Ceased during the year, . 


_* 
_» 


_» 
_* 


In force December 31. 

Claims unpaid January 1, 
Claims incurred in 1897, . 


_* 

$5,532 00 
23,396 00 


_* 

$3,712 00 
21,646 00 


Total 

Claims paid during the year, 


$28,928 00 
27,170 00 


$25,358 00 
23,600 00 


Claims unpaid Dec. 31, 


$1,758 00 


$1,758 00 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Feb. 29, 1884. Commenced business March, 1884.] 

Augustus P. Martin, President. Franklin J. Moore, Secretary. 

Office, 60 State Street. 

Income during 1897. 

Membership fees, $13,945 75 

Annual dues, 252 00 

Assessments (expense, $116,673.21 ; mortuary, £90,566.91), . 207,240 12 

Interest, 2,200 21 

Reinsurance, 8,556 92 

Total income, $232,195 00 

Balance on hand Dec. 31, 1896, 77,847 99 

Mortuary and disability fund, .... $45,480 09 

Emergency fund, 24,933 10 

Expense fund, 7,434 80 

Total, $310,042 99 

Disbursements during 1897. 

Death claims, $36,025 ; disability claims, 

$62,353.29 . $98,378 29 

Advance payments returned, .... 1,806 93 

Total paid to members, .... $100,185 22 

* Not exceeding one assessment. 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION. 



359 



Commissions to agents (new business, $41,- 

387.79; renewals, $21,852.33), . 
Salaries and allowances of managers and ag'ts, 

and other compensation of officers, . 

and other compensation of office emp., 
Medical examiner's fees, . 
Taxes and fees, 

Rent, $2,949.96 ; legal expenses, $1,668.37, 
Advertising and printing, 
Reinsurance, .... 
Adjustment expense, 
Incidentals, .... 
Total expenses, . 

Total disbursements, . 

Balance on hand Dec. 31, 1897, 

Mortuary and disability fund, . 

Emergency fund, 

Expense fund, .... 



$63,240 12 
8,299 96 
11,325 00 
13,489 08 
5,402 83 
1,171 57 
4,618 33 
5,653 51 
6,173 47 
4,543 66 
5,830 88 



$47,294 77 

24,933 10 

7,881 49 



8129,748 41 

$229,933 63 

$80,109 36 



Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgages, 
Cost value of bonds owned, 
Cash in office, . 
Cash in bank, 
Balances due from agents, 

Total, .... 
Deduct balances due to agents, 

Ledger assets, as per balance, 

Non-Ledger Assets. 



Interest, 

Market value of bonds over cost, 
Furniture, fixtures, supplies, etc., 
Due on account of reinsurance (secured), 
Total non-ledger assets, 



$334 01 
826 90 

5,000 00 
500 00 



$4,500 00 

34,933 10 

580 60 

37,261 67 

4,109 96 

$81,385 33 
1,275 97 

$80,109 36 



6,660 91 



Gross assets, $86,770 27 



Deduct Assets not admitted. 



Furniture, fixtures and safes, . 
Supplies, printed matter and stationery, . 
Balances due from agents, not secured by bonds 
Special deposit in Missouri, 

Total, 

Total admitted assets, 



$4,000 00 
1,000 00 
1,975 39 
1,000 00 



7,975 39 



$78,794 88 



360 



NORTHWESTERN LIFE ASSURANCE COMPANY. 



Liabilities. 

Salaries, rents, expenses, etc., due or accrued, $ 1,250 00 

Advance assessments, 175 75 

Capital stock, 500 00 

Total $1,925 

Balance, $76,869 13 

Unmatured Mortuary and Disability Liabilities. 
Claims in process of adjustment, . . . $16,080 00 

Claims resisted, 20,500 00 

Total, $36,580 00 

Funds called for. 
Assessment issued, not yet due, $10,515 00 

Business of 1897. 

Total Bcstkess. Mass. Bcsixkss. 

Number. Amount Number. Amount. 

In force January 1, . . 11,611 $70,672,125 00 3,228 $18,129,000 00 
Written during the year, . 7,528 47,885,150 00 885 5,546,250 00 
Increased during the year, - 700,000 00 - 275,500 00 

Total,. . . . 19,139 $119,257,275 00 4,113 $23,950,750 00 
Ceased duriug the year, . 5,209 32,362,750 00 787 4,545,000 00 

In force December 31, 13,930 $86,894,525 00 3,326 $19,405,750 00 

Claims unpaid January 1, 62 $37,629 00 11 $4,829 00 

Claims incurred in 1897, . 1,387 103,204 00 227 22,749 00 

Total, .... 1,449 $140,833 00 238 $27,578 00 

Claims paid during the year, 1,342 98,378 00 229 21,046 00 

Balance, . . . 107 $42,455 00 9 $6,532 00 

Deductions by compromising, - 5,875 00 - 

Claims unpaid Dec. 31, 107 $36,580 00 9 $6,532 00 



"NORTHWESTERN LIFE ASSURANCE COMPANY," CHICAGO, ILL. 

[Incorporated June 27, 1874. Commenced business July, 1874.] 

Daniel J. Avery, President. Charles A. Captvell, Secretary. 



Income during 1897. 

First year's assessments (expense, §49,575.45; mortuary, 

$95,509.55; emergency, $33,299.04), $178,384 04 

Subsequent years' assessments (expense, $358,703.21 ; mort- 
uary, $1,556,652.89; emergency, $250,971.41), . . . 2,166,327 51 



NORTHWESTERN LIFE ASSURANCE COMPANY. 



361 



Recovered on indemnifying bond, 
Delinquent charges, . 
Interest, 



Total income, 
Balance on hand Dec. 31, 1896, . 
Mortuary and disability fund, . 
Emergency and reserve funds, 
Expense fund, .... 



Total, 



$1,568 78 

3,132 43 

41,512 91 

$2,390,925 67 
1,041,879 04 



$27,327 61 
285,500 00 
729,051 43 



$3,432,804 71 



Disbursements during 

Death claims, $1,767,353.54 ; disability claims, 
$4,250, 

Advance payments returned, . 

Apportioned to members, 
Total paid to members, 

Commissions to agents (new business, $115, 
288.52; renewals, $10,737.82), . 

Commissions for collecting assessments, 

Salaries and allowances of managers and ag'ts 
and other compensation of officers, 
and other compensation of office emp. 

Medical examiner's fees, . 

Taxes and fees, .... 

Rent, $19,039.52; legal expenses, $5,831.95, 

Advertising, stationery and printing, 

Furniture and fixtures, 

Traveling expenses, .... 

Postage, 

Agents' credit balances of 1896, 

Incidentals, 

Total expenses, .... 

Total disbursements, . 

Balance on hand Dec. 31, 1897, . 

Mortuary and disability fund, . 
Emergency and reserve funds, . 
Expense fund, 



1897. 

$1,771,603 54 

2,917 71 

18,191 12 



126,026 34 

13,638 20 

48,788 34 

49,663 20 

82,631 49 

11,886 00 

6,469 72 

24,871 47 

11,301 45 

835 36 

15,466 03 

8,406 19 

1,410 20 

11,970 21 



,792,712 37 



413,364 20 
$2,206,076 57 
$1,226,728 14 



$41,792 10 
457,825 40 
727,110 64 



Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgages, 

Cost value of bonds owned, 

Cash in office, 



$608,800 00 

361,504 86 

1,475 21 

Cash in bank, 156,981 52 



302 



NORTHWESTERN LIFE ASSURANCE COMPANY. 



Balances due from agents, 
Bills receivable, 



Total, 

Deduct balances due to agents, 

Ledger assets, as per balance, 



2,640 23 

8,505 53 

$1,229,807 35 

3,079 21 

$1,220,728 14 



Non-Ledger Assets. 

Interest due, £816; accrued, $10,292.38, . . $11,108 38 
Market value of bonds over cost, . . . 4,693 89 

Total non-ledger assets, .... 15,802 27 



Gross assets, 



Deduct Assets not admitted. 



$1,242,530 41 



Balances due from agents, not secured by bonds, £74,458 15 



Bills receivable, not secured, 
Special deposit in Missouri, 
Total, .... 

Total admitted assets, 



8,505 53 
1,000 00 



83,963 68 
. $1,158,566 73 



Liabilities. 



Death claims due and unpaid, . 
Advance assessments, 
Suspense account, .... 
Advance insurance and reserve fund, 
Total 



Balance, 



$3,916 66 

13,909 90 

78 90 

113,905 86 



131,811 32 

£1,026.755 41 



Unmatured Mortuary and Disability Liabilities. 

Claims adjusted, not yet due, .... $207,300 00 

in process of adjustment, . . . 12,500 00 

resisted 29,500 00 

reported, not in process, . . . 221,500 00 

Total, £470,800 00 



Funds called for. 
Assessment issued, not yet due, 



In force January 1, . 
Written during the year, 

Total, . 
Ceased during the year, 



Business of 1897. 



$30,000 00 



Total Business. Mass. Business. 

Number. Amount. Number. Amount. 

40,104 $115,272,000 00 972 $3,048,500 00 
4,342 11,968,900 00 150 601,000 00 



44,446 $127,240,900 00 1,122 £3,649,500 00 
9,729 28,765,500 00 297 1,103,000 00 



Jn force December 31, 34,717 $98,475,400 00 825 $2,546,500 00 



THE SECURITY MUTUAL LIFE ASS'N OF BINGHAMTON, N. Y. 363 



Total Businkss 
Number. 



Claims unpaid January 1, 166 

Claims incurred in 1897, . 520 

Total, .... 686 

Claims paid during the year, 556 



Balance, . . . 130* 
Deductions by compromising, - 



Claims unpaid Dec. 31, 129 



Mass. Business. 
Amount. Number. Amount. 

$498,200 00 3 $9,000 00 
1,764,250 00 10 34,500 00 



$2,262,450 00 
1,771,603 00 

$490,847 00* 
13,130 00 

f474,717 00 



13 $43,500 00 
9 25,000 00 



$18,500 00 



,500 00 



"THE SECURITY MUTUAL LIFE ASSOCIATION OF BINGHAM- 
TON, NEW YORK," BINGHAMTON, N. Y. 

[Incorporated Nov. 6, 1886. Commenced business Jan. 3, 1887.] 

W. G. Phelps, Vice-President. Charles M. Turner, Secretary. 



Income during 1897. 

First year's assessments, expense, 

Subsequent years' assessments (expense, $80,755.03 ; mortu- 
ary, $179,825.24; emergency, $68,252.58), . 

Interest, $15,681.70; rents, $1,144.50, 

All other sources, 



Total income, 
Balance on hand Dec. 31, 1896, 



$180,850 92 

328,832 85 

16,826 20 

202 14 

$526,712 11 
441,793 80 



Total $968,505 91 



Disbursements during 
Death claims, $172,747.08 ; disability claims 

$312.50, 

Advance payments returned, . 
Apportioned to members, .... 

Total paid to members, 
Commissions to agents (new business, $174,- 

717.38; renewals, $11,025.24), 
Commissions for collecting assessments, . 
Salaries and allowances of managers and ag'ts 

of officers 

and other compensation of office emp. 
Medical examiner's fees, .... 

Taxes and fees, 

Kent, $5,098.97 ; legal expenses, $3,572 20, 



1897. 

$173,059 58 

94 38 

5,746 15 



$185,742 62 

12,621 19 

3,530 48 

7,990 43 

14,666 41 

15,135 50 

3,543 57 

8,671 17 



$178,900 11 



* Including one claim of $3,000, expired by limitation, no proof of loss having been received. 



3f>4 THE SECURITY MUTUAL LIFE ASS'N OF BLNGHAMTOX, X. Y. 

Advertising and printing $5,679 66 

Expense investigating risks, .... 3,968 98 

Traveling expenses, 3,400 87 

Expenses and repairs on real estate, . . 207 34 

Depreciation of assets, as per 1896 statement, . 4,691 56 

Incidentals, 10,020 01 

Total expenses, $279,869 79 



Total disbursements, . 



Balance on hand Dec. 31, 1897, . 



. £458,769 90 



. $509,736 01 



Mortuary and disability funds, . . . $166,550 13 

Emergency fund, 303,825 73 

Expense fund, 39,360 15 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, . 

Loans on mortgages, 

Loans secured b} T pledge of bonds, stocks, etc 

Cost value of bonds owned, 

Cash in office, .... 

Cash in bank, .... 

Balances due from agents, 

Total 

Deduct balances due to agents, 

Ledger assets, as per balance, . 



$9,966 45 

241,100 00 

1,500 00 

111,000 00 

10,042 30 

86,409 41 

70,296 76 

$530,314 92 
20,578 91 

$509,736 01 



Non-Ledger Assets. 
Interest due, $710 ; accrued, $3,741.01, . 



4,451 01 



Gross assets, $514,187 02 



Deduct Assets not admitted. 

Balances due from agents, not secured by bonds, $14,596 09 
Special deposit in Missouri, .... 1,000 00 

Total, 15,596 09 



Total admitted assets, 



. $498,590 93 



Liabilities. 
Salaries, rents, expenses, etc., due or accrued, 



9,632 12 



Balance, $488,958 81 



SPRINGFIELD MUTUAL LIFE ASSOCIATION. 365 



Unmatured Mortuary and Disability Liabilities. 

Claims adjusted, not yet due, . . . . $37,355 29 

in process of adjustment, . . . 27,500 00 

resisted, . .... 2,000 00 

Total, $66,855 29 

Funds called for. 
Assessment issued, not yet due, $71,182 00 

Business of 1897. 



In force January 1, . 
Written during the year, . 


Total Business. 
Number. Amount. 

10,051 $22,619,563 00 
4,321 8,411,672 00 


Mass 
dumber. 

382 
219 


Business. 

Amount. 

$976,000 00 
405,500 00 


Total,. 
Ceased during the year, . 


14,372 
3,339 


$31,031,235 00 
7,706,597 00 


601 
180 


$1,381,500 00 
463,000 00 


In force December 31, 

Claims unpaid January 1, 
Claims incurred in 1897, . 


11,033 

25 
91 


$23,321,638 00 

$64,667 00 
210,398 00 


421 
4 


$918,500 00 
$5,000 00 


Total,. 
Claims paid during the year 


116 
, 84 


$275,065 00 
173,060 00 


4 
2 


$5,000 00 
1,200 00 


Balance, 
Deductions by compromisin 


32* 


$102,005 00* 
30,150 00 


2 


$3,800 00 
800 00 


Claims unpaid Dec. 31, 


31 


$66,855 00 


2 


$3,000 00 



SPRINGFIELD MUTUAL LIFE ASSOCIATION, SPRINGFIELD, 

MASS. 

[Incorporated July 3, 1895. Commenced business Oct. 1, 1895.] 

Albert H. Overman, President. Charles H. Bartlett, Secretary. 

Income during 1897. 

First year's assessments, expense, $25,551 01 

Subsequent years 1 assessments (expense, $4,908.11 ; mortuary, 

$11,695.10; emergency, $2,029.31), 18,632 52 

Medical examiner's fees paid by applicant, .... 4 00 

Interest 345 78 

Registered notice fees, 21 00 

Total income, $44,554 31 

* Including one resisted claim of $5,000, saved by judgment in favor of the association. 



366 



SPRINGFIELD MUTUAL LIFE ASSOCIATION. 



Balance on hand Dec. 31, 1896, 
Mortuary and disability fund, . 
Emergency fund, 
Expense fund, . 



Total, 



$4,059 74 
7,240 00 
5,258 28 



$16,558 02 



$G1,112 33 



Disbursements during 

Death claims, 

Advance payments returned, .... 

Total paid to members, .... 
Commissions to agents (new business, $19,- 

049.22; renewals, $1,601.19), 
Salaries and other compensation of office emp., 

Medical examiner's fees, 

Insurance department fees and licenses, . 
Rent, $916.27 ; legal expenses, $23, . 
Advertising and printing, .... 

Traveling expenses, 

Incidentals, 

Total expenses, 



1897. 

$7,000 00 
224 68 



$20,650 41 

3,208 40 

1,428 25 

76 19 

939 27 

1,084 87 

1,622 29 

1,910 37 



$7,224 68 



30,920 05 



Total disbursements, $38,144 73 



Balauce on hand Dec. 31, 1897,. 



$22,967 60 



Mortuary and disability fund, . 

Emergency fund, 

Expense fund, .... 



$8,989 62 
9,269 31 
4,708 67 



Invested in the following: — 

Assets as per Ledger Accounts 



Cash in office, . 

Cash in bank, . 

Balances due from agents, 

Bills receivable, 

Deposited with State treasurer, 



Total, 

Deduct balances due to agents, 

Ledger assets, as per balance, . 



$321 79 

13,364 38 

1,748 73 

1,012 95 

7,240 00 

$23,687 85 
25 

$22,967 60 



Xon-Ledger Assets. 

Interest accrued, 

Supplies, $400 ; office furniture, $783.17, 

Total non-ledger assets, . . . . — 



$205 65 
1,183 17 






Gross assets, 



$24,356 42 



SrRINGFIELD MUTUAL LIFE ASSOCIATION. 



367 



Deduct Assets not admitted. 

Furniture, fixtures and safes, . 
Supplies, printed matter and stationery, . 
Balances due from agents, not secured by bonds 
Bills receivable, not secured, . 

Total, 



Total admitted assets, 

Liabilities. 
Salaries, rents, expenses, etc , due or accrued, 

Balance, 



$783 17 




400 00 




823 17 




312 69 






$2,319 03 




• • • 


$22,037 39 



153 50 



$21,883 89 



Unmatured Mortuary and Disability Liabilities. 
Claims reported, not in process, $7,000 00 

Funds called for. 
Assessment issued, not yet due, $6,102 77 

Business of 1897. 



In force January 1, . 
Written during the year, . 


Total Business. 
Number. Amount. 

840 $1,469,500 00 
628 1,243,000 00 


Mass 
Number. 

801 
438 


Business. 

Amount. 

$1,355,000 00 
735,500 00 


Total,. 
Ceased during the year, . 


1,468 
432 


$2,712,500 00 
795,500 00 


1,239 

388 


$2,090,500 00 
666,500 00 


In force December 31, 

Claims incurred in 1897, . 
Claims paid during the year, 


1,036 

5 

2 


$1,917,000 00 

$14,000 00 
7,000 00 


851 

5 
2 


$1,424,000 00 

$14,000 00 
7,000 00 



Claims unpaid Dec. 31, 



$7,000 00 



$7,000 00 



Fraternal 
Beneficiary Associations 



RECORD OF CHANGES IN FRATERNAL BENEFICIARY 

ASSOCIATIONS. 



Below is a list of the associations which were authorized 
to do business in this Commonwealth from Jan. 1, 1897, to 
date, and also a list of those which ceased to do business dur- 
ing the same period : — 

Associations authorized during the Year IS 97. 



Name. 



Location. 



Date of 
Authority. 



Avellino and Province Society 

St. John Baptist Mutual Benefit Association of Salem, 
Saint Ciriaco Diacono Martyr Mutual Benefit Society, 
Ancient Dames of Malta Benefit Association No. 7, . 
Italian Associates of Fall River (Incorporated), 

Woburn Police Relief Association, 

Catholic Society of Santa Maria of the Letters of Messina, 
Christopher Columbus Mutual Benefit Society, . 

St. Joseph's Mutual Benefit Association 

Order of Henrik Wergeland, 

Savoia Society of Worcester Massachusetts, . ' . . 

Employees' Accident Association, 

St. Laurence Lithuanian Benefit Society, .... 
Firemen's Mutual Relief Association of Taunton, 

United States Indemnity Society, 

The Count of Turin Mutual Benefit Association, 
The South End Ladies' Society Independent No. I, . 
The Future Mutual Benefit Association, .... 
Humbert First Artillery Mutual Benefit Association, 



Boston, 

Salem, . 

Boston, 

Boston, 

Fall River, 

Woburn, 

Boston, 

Lawrence, 

Salem, . 

Worcester, 

Worcester, 

Boston, 

Lawrence, 

Taunton, 

Boston, 

Boston, 

Boston, 

Boston, 

Boston, 



Jan. 

Jan. 

Jan. 

Jan. 

April 

April 

June 

June 

June 

July 

July 

Aug. 

Aug. 

Aug. 

Aug. 

Oct. 

Oct. 

Nov. 

Dec. 



4. 

15. 
19. 
21. 

6. 
29. 

1. 
10. 
26. 

8. 
22. 

2. 

3. 

4. 
19. 
26. 
28. 
30. 
13. 



Associations authorized since Jan. 1, IS 98. 



South End Hebrew Benevolent Association, 
American Express Employees* Aid Society, 
The Cottage City Portuguese Benevolent Society, 



Boston, 
Boston, 
Cottage City, 



Feb. 3. 
March 14. 
March 28. 



372 



STATISTICAL TABLES. 



Associations ceasing to do Business during the Year 1897. 



Name. 


Location. 


Date. 


Remarks. 


Young Men's Christian Association 
Mutual Aid. 


Beverly, . 


Jan. 1, 


No business trans- 
acted, and charter 
invalid. 


Men's Mutual Benefit Apsociation of the 
Fourth Presbyterian Church. 


South Boston, . 


Feb., 


Disbanded. 


Masonic Just and Legal Protective Asso- 
ciation. 


Boston, 


March 6, . 


No business trans- 
acted, and charter 
invalid. 


Societa Italiana di Unione e Fratellanza, 
Bersaglieri lamarmora. 


Boston, 


March 9, . 


Charter surrendered. 


South End Hebrew Protective Associa- 
tion 


Boston, 


March 11, 


Ceased business. 


Odd Fellows Mutual Benefit Association 
of Lowell, Mass. 


Lowell, 


April 6, . 


Sam Chapin, re- 
ceiver. 


Equitable Aid Union 


Columbus, Pa., 


April 10, . 


C. C. Thompson, 
Warren, Pa., re- 
ceiver (Class B). 


New England Commercial Travelers' 
Association. 


Boston, 


July 1, . 


Changed to assess- 
ment business com- 
pany. 


National Provident Union, 


New York City, 


Dec. 31, . 


Withdrew. 



Associations ceasing to do Business since Jan. 1 


, 1898. 


Select Household Independent House- 
hold Associates. 


Fall River, 


Feb. 2, . 


Charter surrendered. 


Standard Relief Association, . . . 


Boston, 


Feb. 18, . 


No business trans- 
acted for twelve 
months, and char- 
ter invalid. 


South Shore Masonic Mutual Relief As- 
sociation. 


Weymouth, 


March 9, . 


James H. Flint, re- 
ceiver. 


Supreme Council of the United Fellow- 
ship. 


Boston, 


March 10, 


Oscar Storer, re- 
ceiver. 


National Masonic Aid Association, . 


Westfield, . 


March 22, 


Enjoined from doing 
business. 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



373 



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OS 


OS 


OS 


Oi 


OS 


00 


os 


OS 


OS 


r-~ 


OS 


CO 


00 


00 


00 


00 


oo 


00 


00 


00 


00 


00 


00 


00 


00 


00 


00 


00 


00 


00 


00 


i— 1 


l>- 


CO 


o 




o> 


O) 


00 


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b~ 


b- 


O 


WO 





os 




1— 1 


CM 


00 


1—1 


<M 


CO 


CO 


f-t 


1— i 




I—t 


1— 1 




1— 1 


f— 1 


1— 1 


1— 1 


CM 




© 
O 


© 

© 

P 


© 

p 


p 

03 

a 


© 

B 
s 
Ha 


Ha 


© 
© 

P 


a 

03 


43 

P* 
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CO 


U 

O 


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© 

O 


© 

B 
P 


t3 
© 

P 


© 
O 


a 

03 


a 

03 


© 

B 

3 
t-9 


03 

a 










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• 


B 
"3 


• 




.22 
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o 

CO 






^ 


• 


• 


• 




• 


• 


• 


• 






• 


5 

o 


• 




.5 

"a 






© 


• 


* 


• 




• 


a 



• 


• 








03 
00 






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© 






© 

O 




















* 


© 






B 
© 

cq 






CO 

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a 
P 
■♦J 


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P 


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B 
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3 


B 

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p 


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2 


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B 
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a 

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00 
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a 

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O 


a 
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m 




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B 
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55 

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3 


M 

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B 
O 


a 



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43 

a 
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P 
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43 
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o 

CO 

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w 

B 

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p 

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B 
O 

03 


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a 


B 


O 

00 

00 

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a 
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CO 


E 
03 
O 

00 


p 

a 

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03 

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00 
03 

< 

43 

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43 
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p. 




P. 


a. 


a. 


P. 


P. 


Pi 




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w 


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Pi 


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o 




03 


a 


03 


uo 


03 


03 


03 


03 


03 


03 


35 


03 


o 


p 


00 


CO 


CO 


© 


w 


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P 


w 


« 


W 


« 


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52 


t-l 




P 


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O 

a> 

P 

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B 
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P-l 


© 


P. 


© 


© 


© 


© 


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© 


P, 

03 

P 

a 


'P 

a 

P 

.a 

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a 


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P 


2 

15 


E 

O 

rB 


S 


O 
u 
03 


09 

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a 


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a 


B 


rB 

+-> 

B 


E 


^B 

B 


J3 

4-> 

a 


.a 

B 


43 

a 


o 


be 

E 


B 
<1 


B 


00 

03 

O 


.a 
O 


03 
K 





O 





O 


^3 
O 


rB 
O 


rB 
O 


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O 



Ha 


o 


P. 


Ph 
































CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 



386 



STATISTICAL TABLES. 



«D 



o 

PS 







•6 
































. 






cm 
































E 






5 




u 

.2 


en 


E 








1 


6 


6 




E 






E 
1 


5 

CO 

E 




K 


2 
E 




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9 


o 


CD 


o 


P 




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6 


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• 


— 


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— 
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at 

t 

o 

• 


£ 

pa 

& 
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in 

o 


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2 

P 

o 

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i- 

w 


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03 

h 

9 


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d 

h. 

o 

s 

o 

X 


1 

O 

cu 

o 

1 

B 
E 


"3 

ca 

CD 
hi 

U 
CD 

s 


o 
o 

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•— 

pa 

CD 

CD 

es 
B 

O 


1 
1 


DC 

8 

CO 

a 
C 

B 
■ 
hi 


i 

es 

— 

s 


_e: 

3 

O 

CD 


o 

6 


E 
- 

a- 

00 

- 


2 

es 
t-i 

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u 
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00 

1 
a 
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2 
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6 

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en 
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> 

a 

O 


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o 
S 

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K 

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Pi 
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03 


E 

ei 

C 

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of 

> 

o3 

c 


E 

as 

c 



o 
O 

CD 

C 


• 


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2 

es 


CO 

■ 

p- 


eS 
— 
— 
O 
E 
i 

M 


•r 
I 

V 

— 

oi 

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i- 

c2 

3 


d 

CO 

M 

ft 
- 

C 


E- 
OS 

H 

CD 
tf. 


B 
hi 

O 

■- 

— 
— 

co 

a 

3 


E 5 

| 



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CD 






O 

a 


o 


S 

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E 


— 

CO 


5 


a 
i 


rr 




B. 
■j. 

1 


E 

e 
E 


B 
03 
E 


| 


h. 
O 
CD 


h. 






O 


«< 


w 


^ 


pq 


^. 


^ 


fi 




o 


Bt« 


- 


o 


- 


o 


u 




o 

"3 


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bo 

s 


h. 

o 


co" 

s 

S3 


o 

4-1 

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3 


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o 

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pa 

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03 


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> 

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c 

CD 

h. 

i* 

03 


5 

CO 

o 


E 

3 

30 

o 


B 

a 

— 

CO 

O 


B 
O 

— 

CO 

O 




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tc 

bo 

B 

r 


■ 
p 

E 

E 

> 
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cT 

be 

E 
eS 
h. 






^ 


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fc 


fc 


03 


- 


03 


a 


ca 


pa 


pa 


pa 


pa 


BO 


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O 






w 


m 


-<f 


CO 


r~ 






i^ 


r-» 


CO 


->» 


CM 


f 








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Ca 


Ca 


Ca 


Ca 


Ca 


Ci 


os 


en 


— 


0b 


r-. 


01 


a 


CT. 


r. 


s 


O. 




"3 

hi 
O 


00 


00 


oo 


00 


ao 


00 


00 


00 


oc 


oc 


00 


OC 


oc 


■ 


OC 


oo 


X 




ta 


CO 


CM 


■«*» 


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CM 


00 


CO 


CO 


00 


00 


■ 


»c 


CM 


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b- 


^^ 




a 


CM 


CM 


CM 




t— i 


i— i 




CM 






CM 




P4 


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6 
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h 

ei 


E. 
O 


— 

Q 

O 


83 

2 


a 

83 

«-9 


4-> 

c 

03 


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CD 

B 


- 

< 


CD 

B 






<-> 

— 

<D 

OQ 


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CD 

- 


CD 

= 

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— 










z 




























CD 


























































• 


• 


• 


• 


• 


• 


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• 


• 


CD 

O 


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• 


• 


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m 


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• 


CD 


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03 

E 
CD 


• 


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• 


a 
5. 

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D 


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• 


















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o 






pa 










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2 

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5 

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O 

CO 

co 


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5 

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s 

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03 


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c 


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90 

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■•J 

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a> 
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o 

o 

— 

o 

a 


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CD 

s 

CD 

P3 


— 

CD 

'o 

o 

02 

♦» 

CO 

5T 


CD 
> 

CD 
— 

o 

pM 

c 


o 

CO 
33 

< 

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o 

pa 


CB 
CD 

B 
CD 

pa 

E 

a 


_e3 
to 

— 

— 

o 


CJ 

O 
03 

•t-9 

3 

B 

5 


o 
03 

"3 

bC 

5 


CT 

E 

— 
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CD 

O 


• 


o 

co 

— 

ei 

pq 

— 
p 


= 
2 
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CD 
CD 


— 

CD 
O 

j: 

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o 




o 


o 


d 


CJ 




si 


h. 




y 


0B 




es 




CD 






03 
© 
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E. 


03 

co 

e3 


03 
a 

— 
a 
PQ 


03 
© 

OQ 

B 


— 

30 

S3 


O 
> 
CD 

c 
n 
PQ 


S3 

3 

3 

CB 


o 

CD 


B 


s 
s 

s 

JO 


< 

CD 

— 


< 

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— 


— 

ei 

it 


m 

— 






« 


« 


pa 


PQ 


» 


— 


A 


B 
CD 

hi 
B 
si 


CO 


c3 


ri 




ei 


83 


- 


± 






fl 


E 


b 


c 


c 


c 


CD 


CD 


£ 


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— 




L3 


•a 


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— 






S3 


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83 


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CO 


53 


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X 










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© 

•-9 


O 

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o 

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O 


s 


s 


S 


B 


O 

u 


1 


CD 


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= 


■ 


ei 


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03 


03 


02 


03 


03 


03 


03 


03 


03 


03 


03 


QQ 


03 


03 


v: 


X 


OQ 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



387 



P 


CD 




O 

CO 


o 




03 


s 




-«-> 






go 

s 

o 


OQ 

CD 


k> 

P 

O 


03 








H 


n 


CO 

3 


03 

33 


33 
o 


o 


O 


>-s 



3 

H 



03 

.a 



s 
o 


C 


CD 


•si 




3 


o 


3 


bo 


\Z 


35 


S3 




o 


l*> 




to 




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P 


<1 


ao 

o 


55 


A 


iH 

3 

33 


,^ 


a. 


S 


o 

CO 

o 


o 


w 


»-» 



PQ 



pq o 



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3 
3 
3 

3 



43 
3 



O 
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as 

ft 

M 



p 

03 
be 
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S 

H 
P 

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3 

3 



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3 
CO 



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3 733 

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3 
3 

tc 

o 
3 
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3 
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o 

1-5 



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13 

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S 

o 

o 
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CO 
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to 

O 
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o 



S3 

Q 



3 



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oj 5 
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3 
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co 



3 
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73 

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fed 




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tf 



CI. 


s: 




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3 
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13 


CO 

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3 

o 


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3 
03 


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o 


a 


— 


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z 


CO 


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pq 



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388 



STATISTICAL TABLES. 



6 

H 

PQ 



o 

CO 

g> 

S 



1 




1 


cm 


o 


l-H 


b- 


O 


■* 


1 


CO 


8 


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CM 


M 


CM 








CM 






■^ 


l-H 














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f-H 










l o 


CO 


r^ 


t^ 


© 


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SB 


fc °° 


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kO 


r- 




r^ 


00 


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I-H 


o 




o 


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— 


•o 


l^J 


l-H 


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i-H 


CO 


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O 




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1— 1 




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CS 


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CC 




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